Can I drive someone elses car on my car insurance?

Some of our Comprehensive policies allow the policyholder to drive someone else's car. This'll be detailed on your insurance certificate, which you can find in Your Account.

Cover is reduced to third party only when you're driving another car, even though your policy is comprehensive. This means if you've had an accident in the other car, we'll only pay for injury and damage claims made against you by anyone else involved. 

Driving Other Cars Terms and Conditions:

• You have permission from the owner of the car before using it. 

• You still have your car, and it is not damaged beyond economic repair, stolen or sold and it has a valid road fund licence and a valid MOT (if applicable). 

• The other car is not owned by you or your partner and is not a hire or rental car, or obtained by you or your partner under a hire-purchase or leasing agreement. 

• You are not covered by any other insurance to drive the other car. 

• You are not using this cover to remove the car if it has been seized by, or on behalf of, any government or public authority.

  • There is a valid policy in force for the other car. 

• You are using the other car for social domestic and pleasure purposes (excluding commuting). 

Cover also applies to any accident involving injury or damage caused by a trailer, vehicle or caravan towed by this car.