Home » Can I be fined for driving another person’s automobile? Insurance coverage guidelines defined

Can I be fined for driving another person’s automobile? Insurance coverage guidelines defined

DRIVING another person’s automobile may appear innocent, however it may land you in huge bother in the event you’re not cautious.

As a motorist it’s essential to be sure you’re appropriately coated by insurance coverage in any other case you possibly can face fines or worse.


Be sure to’re appropriately coated as a motorist in any other case you possibly can face fines or worseCredit score: Getty

Can I drive another person’s automobile?

The principle factor to pay attention to when driving any automobile is whether or not you might be insured.

Insurance coverage is a authorized requirement within the UK and in the event you do drive one other automobile with out being insured then you definately’re breaking the legislation.

Meaning you threat a hefty wonderful, penalty factors and potential disqualification.

Does my insurance coverage cowl me to drive another person’s automobile?

Driving different vehicles (DOC) is a clause in your automobile insurance coverage coverage.

It lets you drive another person’s automobile with out being a named driver on their coverage.

However you will have to examine the small print of your coverage, as a result of it is not all the time included.

If such a clause just isn’t included in your coverage then you aren’t coated to drive any automobile besides your individual – even when your insurance coverage coverage is totally complete.

Earlier than getting behind the wheel of one other automobile, it is best to talk to your insurer.

Aviva says: “Third get together solely is the minimal cowl it’s worthwhile to drive legally within the UK.

“In case you have complete insurance coverage, you are coated with third get together solely insurance coverage if it’s worthwhile to drive another person’s automobile.

Can I be fined for driving another person’s automobile?

If you happen to’re caught driving a automobile you’re not insured to drive, the police may provide you with a set penalty of £300 and 6 penalty factors

Having the automobile proprietor’s permission doesn’t suggest DOC is authorized.

Except you are a “named driver” on their automobile insurance coverage you nearly actually will not be insured.

What occurs if I’ve an accident whereas driving another person’s automobile?

If you happen to get into an accident whereas DOC you possibly can finish up paying a hefty restore invoice. 

DOC insurance coverage is barely ever third get together cowl, so is not going to pay for any injury finished to the borrowed automobile.

As a substitute, you’ll be liable and must pay out of your individual pocket.

What is the punishment for driving different vehicles?

Even when the automobile you are driving is totally insured by the proprietor – in the event you’re concerned in an accident or caught with out DOC insurance coverage, you can be handled severely by the legislation.

If the case goes to courtroom you possibly can get a vast wonderful or be disqualified from driving.

The police even have the ability to grab, and in some circumstances, destroy the automobile that’s being pushed uninsured.

The proprietor would additionally face prosecution for letting an uninsured individual drive their automobile.

Insurance coverage firms take convictions for driving with out cowl very critically.

What about check driving a automobile?

Even in the event you’re solely check driving a automobile, you continue to should be insured.

At all times examine you’re insured earlier than you set off.

If you happen to’re shopping or shopping for the automobile from a principal dealership then this often gained’t be an issue – as it can have cowl in place. 

However in the event you’re shopping for privately you’ll have to verify your individual coverage covers you.

It’s all the time value calling your supplier to be completely certain.

What else ought to I do know?

Individuals beneath 25-years-old or with driving convictions are unlikely to have DOC cowl.

If you happen to usually have to DOC it could be higher to be a named driver on their coverage.

Ask your insurer so as to add a clause to your present coverage even in the event you aren’t already coated. Nevertheless not all insurers supply this feature.

If you happen to’re planning to borrow or rent a van and also you’re uncertain about protection then examine along with your supplier or the rental firm.

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