For most, jumping into their friend's or relative's car when their own is out of action is the norm; however, this may not be the case for your insurer.
Many people, who drive other's cars, view this as a real plus of their car insurance. This benefit means that you can borrow a relative's car when yours is out of action or drive a friend's when they've had too much to drink in order to drive it themselves.
For drivers who've searched around for the best car insurance quotes for comprehensive car insurance cover, it has always been the case that they can then drive other cars with the owner's permission, and therefore have third party cover. However, this is changing as insurers are tightening the rules on borrowing others' cars.
It is worth consulting the small print on your car insurance policy to see whether or not you are covered to drive others' cars. This is because you may appear to have third party cover but in some policies, the small print says that you can only drive other people's cars if it is in an emergency than needs immediate attention. Obviously, it is difficult to determine exactly what would constitute as an emergency that would require such quick action, and this is why many people are finding it more and more difficult to justify borrowing a friend's car.
The British Insurance Brokers' Association has said that the third party clause is being looked at, as people have their own interpretations of it. The Association believe that there should be a standard definition so that drivers are able to tell whether they are covered or not.
Some insurers such as; Norwich Union Direct and RAC Direct have removed the Drive Other Cars benefit from their car insurance policies, there are also some insurers who state that the driver needs to be 25 or over in order to receive the benefit. Another restriction that some insurers have included is to exclude certain professions from the Drive Other Cars option, such as those who work in the motor or private car hire trades.
Drivers who have searched around for the best car insurance quotes for comprehensive cover were, at one time, able to drive others' cars.
Always check the small print on your car insurance policy.
Some insurers have removed the third party benefit from their car insurance policies.
Many people, who drive other's cars, view this as a real plus of their car insurance. This benefit means that you can borrow a relative's car when yours is out of action or drive a friend's when they've had too much to drink in order to drive it themselves.
For drivers who've searched around for the best car insurance quotes for comprehensive car insurance cover, it has always been the case that they can then drive other cars with the owner's permission, and therefore have third party cover. However, this is changing as insurers are tightening the rules on borrowing others' cars.
It is worth consulting the small print on your car insurance policy to see whether or not you are covered to drive others' cars. This is because you may appear to have third party cover but in some policies, the small print says that you can only drive other people's cars if it is in an emergency than needs immediate attention. Obviously, it is difficult to determine exactly what would constitute as an emergency that would require such quick action, and this is why many people are finding it more and more difficult to justify borrowing a friend's car.
The British Insurance Brokers' Association has said that the third party clause is being looked at, as people have their own interpretations of it. The Association believe that there should be a standard definition so that drivers are able to tell whether they are covered or not.
Some insurers such as; Norwich Union Direct and RAC Direct have removed the Drive Other Cars benefit from their car insurance policies, there are also some insurers who state that the driver needs to be 25 or over in order to receive the benefit. Another restriction that some insurers have included is to exclude certain professions from the Drive Other Cars option, such as those who work in the motor or private car hire trades.
Drivers who have searched around for the best car insurance quotes for comprehensive cover were, at one time, able to drive others' cars.
Always check the small print on your car insurance policy.
Some insurers have removed the third party benefit from their car insurance policies.
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