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My Policy Cover

Am I covered to drive someone else’s car?

For Car Insurance Customers

Driving other motor cars is offered on our Third Party, Fire & Theft and Comprehensive policies. In general, this benefit is only available to policyholders over 25 with a full licence. However you should check your insurance schedule under the policy details section to confirm if you have this benefit. All cover in this section applies only to the policyholder. You will only be covered for third party loss or damage if you do not have Comprehensive insurance. 

If you do have Comprehensive insurance you will be able to drive another car on a Comprehensive basis once all the requirements are met.

The following conditions apply to any private motor car you are driving under this section:

  • The car is not owned by you, your employer or business partner.
  • It is not a van, a motorcycle or a commercial vehicle.
  • It is not hired by you, your employer or business partner as part of a leasing agreement or a hire-purchase agreement.
  • There is no other policy in force that covers your driving of the car already.

Please remember that there is no motor breakdown assist cover on a car you are driving under this benefit.

All cover provided is subject to the terms, conditions and exclusions listed in your policy pack which was issued to you when you purchased or renewed your policy. Our current policy booklet can be found here


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