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In the past it was commonplace to be able to drive another car on a third party basis, remaining insured by your own car insurance policy.
Unfortunately this type of cover is disappearing from policies at a rapid rate, and most policies now bought through a comparison sites now exclude cover which allows you to hop into another car and pop it down to the garage, drive it while yours is off the road for minor repairs or allow you to drive a friends car home if the main user falls ill or is incapacitated.
It can be great for families who find they can use this cover rather than adding each other onto their own policies thus acting as good in case of emergency backup.
It's worth remembering though that most policies that do offer such cover only provide third party insurance - so the car you are driving will not be covered in case of an at fault accident.
So what policies still allow you to drive other cars?
Aviva, a company who offer very competitive premiums, but also offer different levels of cover allowing those who want to be covered for some of the nice to haves rather than just offering the minimum possible cover. They do not compete on car hire comparison sites, so you will need to approach them directly for a quote.
Unusually they do offer the option to take full comprehensive cover too.
Driving Other Cars
The Aviva policy offers the ability for policyholders to drive someone else's car both either on a on a third party basis (if you buy their Basic or Regular policy), or on a comprehensive basis if you buy their Premium policy. To benefit fro the comprehensive cover you do need to advise Aviva of the details of the car before you use it.
Obviously the owner of the other car must give you permission first too.
Aviva Basic Insurance allow you to insure your car on a third party, fire and theft cover, their Regular Policy offers comprehensive cover without bells and whistles, whilst the premium policy has a range of added benefits, such as european cover, enhanced courtesy car and comprehensive cover when using a borrowed car.
So run a quote today - it only takes a few minutes, and get a policy that allows your flexibility rather than leaving you stuck at the side of the road.
This content was last reviewed on 20/11/2019