You will still need cover in place if you wish to drive someone else's car. Here are the ways on how to make sure that sure you are insured to drive a car that is owned by someone else.
Ways To Drive A Car You Do Not Own
You can get a cover to drive someone else's car by:
- Obtaining your own car insurance policy for the vehicle
- Availing a short term car insurance for the duration that you want to drive the car
- Being included as a named driver on the policy of the owner
- Verifying if your own car insurance policy (if you possess one) covers you to drive other cars
Can You Insure A Car That You Do Not Own?
Yes. However, you will have to inform the insurer that you are not the registered keeper or the owner when you apply.
A number of insurers will only propose you cover the principal driver if you are also the registered keeper of the vehicle. Numerous companies will want to insure you, so shop around and examine the policy documents before applying.
Will The Owner Always Be The Registered Keeper?
No, the person named on the registration certificate (DVLA V5C) is the registered keeper; this does not have to be the person who purchased and paid for the car.
For example, if you are driving a company car, you may be recorded as the registered keeper because you are the person that is using and looking after the vehicle although the company that you are working for is actually the owner of the car.
What Cover Can You Get?
Most insurers will not limit the level of cover you can get so that you can choose between a third party fire and theft policy and a fully comprehensive policy.
You may also be able to avail a third party only cover. However, not all insurers offer this. This particular guide will aid you in deciding which cover is the best for you.
How To Insure A Car You Do Not Own
When applying for a cover, you will normally be asked to confirm who the registered keeper and the owner of the car is. Some insurers will offer only to cover you to drive a vehicle that you do not own if it belongs to:
- A parent
- A leasing company
- You employer
- Your partner, spouse, or civil partner
If you are not asked, scrutinize the terms before you avail the policy. Most insurers will usually assume that the vehicle belongs to you or a person included on the above list. If you have a different case, your cover will not be valid, and any claim could be declined.
How Much Does It Cost?
It can cost you a lot more to get cover for a car that you do not own since insurers may regard you as a higher risk, especially if you are a young driver.
If you do not have a financial interest in the car, some insurance companies assume that you will take less care driving the vehicle, and therefore be more prone to make a claim.
It is worth shopping around and getting quotations from various insurers, as some companies will not change their price based on the owner of the vehicle.
Other Ways To Get Cover
If you cannot get cover for a car you do not own you could:
- Be the registered keeper of the car: If you wish to be the primary driver of the car, you can amend the V5C registration document to present yourself as the vehicle's keeper. The present registered keeper is required to request for this change. Instructions can be found on this GOV.UK website.
- Be included as a named driver: You can drive a car that is owned by someone else id they include you to their policy as a named driver.
- Avail a short-term policy: If you only need to drive someone else's vehicle for a short period, a short-term policy could be the answer.
Verify If You Have Cover To Drive Other Cars
If you already own a fully comprehensive policy, you may be covered to drive a car you owned by other people.
Cover to drive other cars is sometimes incorporated in comprehensive policies, but not all, so scrutinise your paperwork carefully before you drive someone else's car.
This type of insurance will only give you basic third party cover and is often only available if:
- You have not hired the car
- You are over a particular age, often 25 years old
- You do are not the owner of the car
This type of cover is only created to be used during emergencies and not for regular driving. If you are not certain as to what is considered as an emergency, contact your insurer and ask them before you drive.