Does my car insurance cover me to drive other cars?

If you are aged 25 or over, then in a majority of cases we will cover you to drive other cars, although there are some exceptions to this rule, for example some occupations won't be covered.

Please don't assume that you are covered without first checking your Certificate of Motor Insurance. When you buy a policy with us, we will email this to you and can also be accessed within Your Account. If your policy includes cover for driving other cars it will be shown under section 5 of your Certificate of Motor Insurance and will mean 1ST CENTRAL will provide Third Party only cover for any accident involving the car, while you're driving it. This covers any amounts you are legally liable to pay if someone else is injured or killed or their property is damaged, but not any damage to the car you're driving.

When you're getting a quote, we'll tell you before you buy whether driving other cars is included.

The following conditions must be met for this cover to apply:

• 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.