We also offer Saga Essential, a Comprehensive cover level that comes with fewer features than Saga Car and doesn't include a 3-year fixed price. Policyholders are eligible for the repair and replacement of windscreens (excess applies). Claims helplines are not open 24/7. Crammed with features and benefits. While comprehensive cover may provide everything you need, bear in mind that there are additional features and benefits that may not be included with your policy including breakdown cover, legal cover or courtesy cars. As the name suggests with this level an insurer would still pay out to a third party, but would also cover you if your car is damaged by fire or theft. Our comprehensive cover has Defaqto's highest 5 Star rating. Courtesy car with comprehensive cover Save 29% on your car insurance. Offered with Comprehensive Cover for when you can't drive your car after an accident. | Some providers will add it without asking, but others won’t, so never assume. © Copyright 2008 - 2020 Confused.com. Relevance. Whether that's fully comprehensive or third party fire & theft. Comprehensive car insurance offers one of the highest levels of protection, it covers the same things as third party only and third party fire and theft, but on top of all that, it covers your own car in an accident. Always give them a call before you sit behind the steering wheel. You think to yourself “Great, I have fully comprehensive insurance so I can drive any car”, and off you toddle. Further details may be provided on request. In most cases, your insurance on other vehicles will only be third-party. Driving Other Cars (DOC) provides Third Party Only cover and is restricted to policyholders only and will not apply to policyholders aged under 25 and/or policyholders engaged in the motor trade. It’s the lowest level of cover (third party only). You’ll get an IN10 conviction (driving without insurance) which is 6-8 points according to Gov.uk. It is a legal requirement that you are insured to drive your new car at any time, even just to bring it home. You’ll have the same level of cover as them, They can add you to their policy as a temporary driver. How would you rate your website experience today? Car insurance is a legal requirement unless your vehicle is registered as off the road (SORN). If you have an accident, the policy will only cover damage to the other car. You will also benefit from having one policy for all vehicles and one renewal date. Thank you for your feedback on our website. You are covered to drive other cars not owned or insured by you or your spouse/partner, on a third-party basis, provided you have the owner’s permission and the vehicle has insurance in its own right. 10 years ago. Just a quick heads up, as of last month, Admiral have removed the ability for you to drive other peoples cars 3rd party if the registered owner of the car is a leasing company. Updated currently I am a named driver on my wife's comprehensive policy. I have comprehensive car insurance. 12 January 2016 Admiral’s comprehensive policies offer the use of a courtesy car if yours is being repaired at an Admiral approved garage. MultiCar customers could save £255 (10% of customers who provided a best … Third party insurance does not cover anything else, including repairs needed to your car, cover if your car is written off or cover in the event your car is stolen or destroyed in a fire. You would be liable for the damage caused to the car you’re driving. It doesn’t cover damage to the car you are driving. European cover for up to 90 days. Can I Drive Other Cars With A Fully Comprehensive Car Insurance Policy? Courtesy car If you’re still not sure, please call us on 03457 46 46 46 ^, or use our live chat service, before you drive the other car. It is possible to cover the test drive of a privately-owned vehicle through the buyer or seller’s insurance. If you have Driving Other Cars cover this will be clearly stated on your certificate of insurance. Please select a reason for your feedback today, Please provide feedback on your web experience. An insurer – including Admiral – would pay out for any damage or injury caused to a third party, including passengers, animals, damage to property and accidents caused by a passenger or named driver. Fear not, if you don’t have DOC on your policy you still have options. Cover to drive other cars is becoming less common with many insurance companies requiring drivers to be 25 or over before they provide this cover, other insurers have withdrawn this cover entirely. It only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. 3rd Floor, Greyfriars House, Greyfriars Road, Pre-existing medical conditions travel insurance. You could take out a temporary car insurance policy on the car you want/need to drive – this can be from as short as 1 day At least with the above options you’re more likely to be driving the other car with a better level of cover. Courtesy Car. Our unique drive any driver insurance policy, provided by no other company on the insurance market, is ideal for helping you make the most of other people's cars; giving you both the flexibility and security to drive any car you need with full cover in an emergency or on a temporary basis - secure in the knowledge that you are fully covered. Admiral Third Party, Fire & Theft Car Insurance If you have a comprehensive policy on your own car, you may have driving other cars (DOC) cover included. The cover also extends to fire damage to your car, or damage arising out of the theft or attempted theft of your car. These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register Compare cheap quotes from up to 116 providers. Admiral Financial Services Limited (Reg No: 10255225) is a subsidiary of Admiral Group plc and is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). As well as looking at how Admiral's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too. Admiral provides a wide range of car insurance products, including single car policies, multi-car … If you’re fully comprehensive this is sometimes the case for occasional trips. Voted by consumers as the “Best Car Insurance Provider 2017/18” for the fifth year running (Personal Finance Awards). Insure 2 Drive offers a number of benefits for comprehensive policyholders, including: Unlimited audio equipment cover, and up to £1,000 of cover for satnav equipment. Probably not as driving other cars, or DOC, is no longer a standard element of comprehensive car insurance policies. Van Insurance Loans. CF10 2EH (Reg No: 03849958). If so, there are a few things you need to know about insuring it. By Graham Cutbill-White 18/02/2020 . If you’re within your first two years of driving, that’s enough to lose your license. cheers . The 'driving other cars' extension was once an … Its likely to increase your premium a lot, that’s if you can find an insurer to give you a quote. Please use our simple contact us form and we will get back to you within 24 hours. Taxi booked to one destination within the UK. EUI Limited acts for, and on behalf of, other regulated insurance companies. These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register. You then realise or find out you don’t have DOC. Admiral’s comprehensive policies offer the use of a courtesy car if yours is being repaired at an Admiral approved garage. A friend is in a pickle and needs someone to drive their car home. There’s quite a few typical requirements that are common among most insurers, like: You need to be 25 or over when the policy starts, Your car insurance policy needs to be a fully comprehensive one, The other car must have insurance already, Your car must be in a driveable state, i.e. It only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. Some insurance providers will let you while others won’t – so you’ll need to check your policy or call your insurance provider before you jump into someone else’s car. I gave my girls friends car keys (was bullied into it) to a local nutter the guy said he was insured to drive any car, however I wasnt going to start asking to see his policy. In the past, most comprehensive car insurance policies included driving other cars (DOC), giving drivers third party policy protection when driving other people's cars with their permission. Regardless of the level of cover which the policyholder has, the cover provided to them under the driving other cars extension will always be third party only (unless stated otherwise in the policy documents). Does comprehensive car insurance cover me to drive other cars? Confused.com is a trading name of Inspop.com Limited and is authorised and regulated by the Financial Conduct Authority. How did customers rate Admiral's car insurance? Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. On Hastings Direct or Hastings Premier car policy, it's likely you'll be covered to drive other cars. Read JeffersonDavis's review of the Admiral Car Insurance - www.admiral.com, 68 of 2450 Admiral Car Insurance - www.admiral.com reviews, & compare with other Car Insurance at Review Centre For example, there may not be any cover in Europe for theft to your car … Our comprehensive policies include great features and benefits as standard. Yes. We've got you covered. Yes, but only if you have insurance. However, some temporary insurance products offer fully comprehensive cover. Admiral is a trading name of EUI Limited. Protection will not be extended to vans or other vehicles. Thinking about buying a motor from abroad? Car insurance can be split into three main categories: Third party car insurance is the most basic level of cover and the minimum required by law. If you’re under 25 and want to drive someone else’s car, your best bet would be to either get added as a named driver on their policy or take out temporary cover. EUI Limited is a subsidiary of Admiral Group plc and is authorised and regulated by the Financial Conduct Authority (Firm reference number: 309378). Admiral offers three levels of car insurance cover and six different types of policy, so you’re likely to find cover to suit your needs. Marshmallow only offers comprehensive car insurance cover. Am I covered if someone else drives my car? Home Insurance Voted Best Car Insurance Provider seven years in a row. This conviction also isn’t seen very kindly in the eyes of insurers. You could be on there for a week, or a month, whichever is relevant, You could take out a temporary car insurance policy on the car you want/need to drive – this can be from as short as 1 day. A price comparison website suggested a short list, including Admiral. You can also claim if you have accidentally damaged your car, for example reversing into a garage door. This is the policyholder and any additional drivers you choose to include on your policy. They might know the answer, since they are your insurer. Find out more 3 levels of Home Insurance for you to choose from. Before deciding on a policy, check the terms and conditions thoroughly and make sure you're covered in the way you expect. As part of your car insurance policy some car insurance companies will provide third party cover to drive other cars. Calling outside of the opening hours will mean you’ll be redirected to a contracted third party recovery service. By continuing or closing this window you are accepting these cookies. We explain why here. https://admiral.com/magazine/guides/car-insurance/which-level-of-cover. Vandalism cover: This means if your car is vandalised, for example by graffiti, you may have to pay to have this fixed yourself. Find out more about different levels of car insurance, what they cover and how you can ensure you've got the right car insurance for your needs. Then there’s the court prosecution which carries up to £1,000 fine. As a buyer you could check if your policy includes a DOC or Driving Other Cars clause, these usually only offer third-party protection. Can I drive another car on my own insurance? The only people Admiral will cover to drive your vehicle are the people listed under section 5 of your Certificate of Motor Insurance. How much life insurance cover do you need? An insurer – including Admiral – would pay out for any damage or injury caused to a third party, including passengers, animals, damage to property and accidents caused by a passenger or named driver. Do I need to make you aware if I have had a conviction? Courtesy car Comprehensive : You'll get a free Class A courtesy car (e.g. Windscreen and glass cover. 5 Answers. With comprehensive car insurance, you’ll receive all the benefits and cover that comes with a third party, fire and theft policy. Here’s how you can check. where you often drive other cars. The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. Often, the 'drive other cars' clause only applies if you are the policy holder on a vehicle and over the age of 25. It’s not always included by default. Manage cookies and view our policy. Further details may be provided on request. 4 minute read. ... To see how Admiral's car insurance compares to other policies check out our guide on the best and worst car insurance. As well as the conviction, and the increased premium, you’ll also have a minimum fixed penalty fine of £300. Multi-car cover: A multi-car policy insures you to drive other cars – but you should check with your insurer to see how this works with named divers on your policy Contents cover : Contents cover for your car means you’ll get a pay-out if items in your car are stolen or damaged, but if anything is stolen after being left in plain sight you won’t be able to claim Before you get behind the steering wheel of the car you want to drive, make 100% sure you have DOC. For example, if a friend or family member has had an accident and needs you to drive them to the hospital. Nobody here … I would recommend them to anyone. A range of insurance frequently asked questions including car, home, legal and day insurance. While the amount of cover you get depends on which level you choose – comprehensive offers the most cover, third party the least – there are a few things that come as standard with Admiral Car Insurance no matter which level you choose: Cover to drive in Europe for up to 90 days Driving other cars … You'll find it under section 5 called 'Persons or classes of persons entitled to drive'. All rights reserved. It also needs to state on your certificate of motor insurance that you have the DOC extension. Admiral One, Admiral Loans and Admiral Car finance are all trading names of Admiral Financial Services Limited. Here's your three options: Ask them to add you to their policy as a named driver. And was that jaunt in your friends car actually legal? In some cases this cover will also protect against an attempted theft, as long as you're not at fault. Am I insured to drive someone else's car? "What if my car needs to be repaired?" Three years ago I started shopping around for insurance cover for my 17 year old daughter to drive an old Ford Focus 1.6 on her provisional licence. Drive away cover gets your new car home safely Get a quote . Comprehensive car insurance offers unlimited car stereo cover and up to £150 personal belongings cover. It includes a guaranteed hire car, seven-day car repair, personal possessions cover and more. When shopping around for car insurance, think about your needs and choose your additional features tailored to you and your car. You can protect your classic car on a single-car policy or you can add it to your multi-car cover. You’d need to speak to your insurer about that. Key Assist Comprehensive TPFT : You're covered for up to £1500 for replacement locks, keys and locksmith charges - and up to 3 days car hire. Confused.com, 3rd Floor, Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, United Kingdom Call your provider and ask them and check your certificate of motor insurance too. If an accident happens, it’ll cover any injuries or property damage to a third party and also protect you and your car. Some insurers offer what is known as a “bonus accelerator Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. DOC is there for emergencies. | You may have to add this additional benefit to a comprehensive policy. Why not contact Admiral (who are your insurer) and ask them? You can insure up to four drivers including the policyholder on an Admiral Single Car … a small hatchback), while your car is being repaired by one of our approved garages. Lets say you're pulled over by the Police while you’re driving the other car. Comprehensive cover is sometimes known as 'drive any car insurance.' The key difference betw een this level and third party fire and theft insurance is that your car is also covered along with any third party if you’re in an accident. The next step up is third party, fire and theft (TPFT). If you have this cover, you will not be covered for loss of or damage to the car you’re driving. Comprehensive cover includes a courtesy car while your car is being fixed by an approved repairer. EUI Limited acts for, and on behalf of, other regulated insurance companies. If your car is over 35 years old, under 70 years old and has a value of over £1,000 and under £25,000, you could get an Admiral Classic Car discount. Please don’t assume that you are covered without first checking your Certificate of Motor Insurance. Comprehensive car insurance like its name suggests offers the widest range of cover. Services Limited his test that morning and is just another name for same level of cover more. 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