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.
Now you cannot rely on this and therefore you have to check your policy carefully to see if this benefit is included.
Unfortunately this feature is disappearing from policies at a rapid rate, and most policies now bought through a comparison sites 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.
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.
The Aviva policy offers the ability for most policyholders over 25 who have taken a comprehensive policy with them to drive someone else's car. You should check that the motor insurance certificate indicates that the policyholder can drive the vehicle that they want to use. The cover provided while driving other cars is third party only
Obviously the owner of the other car must give you permission first too.
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 02/11/2020