drive friend's car

lovetwix

Both my friend and I have our own cars covered by comprehensive car insurance, is it legal if I happen to drive my friend's car for a while, what if any accident occur during that time.

MagicMarker

I dunno, maybe call your insurance company and ask them?

Thoie

It's down to your particular insurer - you'll have to read your policy. Some insurers cover you to drive other cars, some don't - just because it's comprehensive insurance doesn't mean your insurer allows it.

Usually, if it is allowed, you don't have comprehensive cover on the other car, just 3rd party, fire and theft. So if you drove his car into a wall, you'd have to pay for that yourself.

Avns1s

Go look at your respective policies. If your policy covers you to "drive other cars" you will have 3rd party cover and you can legally drive your friends car. If not then you dont have cover at all and you cant drive it. Simple as!

lovetwix

thanks guys, it's AXA motorfirst, it seems they don't allow to 'drive other cars'

lovetwix

anyone know any good insurer gives reasonable quotation covering 'drive other cars'? thanks

Thoie

lovetwix wrote: »

anyone know any good insurer gives reasonable quotation covering 'drive other cars'? thanks

Looking at your other post, if this is just a temporary thing while your car is off the road, and your friend is lending you their car for a week or something, most insurers will allow you a temporary transfer for a small admin cost - some might not even charge for it. In that case you'd only be insured on your friends car (and not your own), and then when your car is ready they'll just transfer it back again. Most insurance companies will do that over the phone for you - you just need the reg of the loaner, and your own insurance details.

If you actually want to be able to swap cars around regularly (for example, I'm covered to drive other cars, so when I go down home I just hop into whatever car is closest), personally I'd just ring my insurer and ask if they'll add it to my policy - some will say yes. If the company just doesn't do it at all, try www.123.ie for a few quotes. IIRC they show what's included on each of the policies somewhere.

Thoie

PS - this isn't a policy document, but according to

http://www.axa.ie/download/AXA-Motorfirst-Car-Insurance.pdf

We will cover you while driving other cars you do not own or
have not hired under a hire-purchase agreement.

Seriously - just ring your insurer and talk to them

lovetwix

Thanks Thoie really appreciate your help, I'll give them a ring tomorrow and see what they say.. will leave feedback here

January

Thoie wrote: »

Looking at your other post, if this is just a temporary thing while your car is off the road, and your friend is lending you their car for a week or something, most insurers will allow you a temporary transfer for a small admin cost - some might not even charge for it. In that case you'd only be insured on your friends car (and not your own), and then when your car is ready they'll just transfer it back again. Most insurance companies will do that over the phone for you - you just need the reg of the loaner, and your own insurance details.

If you actually want to be able to swap cars around regularly (for example, I'm covered to drive other cars, so when I go down home I just hop into whatever car is closest), personally I'd just ring my insurer and ask if they'll add it to my policy - some will say yes. If the company just doesn't do it at all, try www.123.ie for a few quotes. IIRC they show what's included on each of the policies somewhere.

Not all the time, I know with my insurance company that if the car is already privately insured they'll have to get added on to that policy temporarily. So they'll be added as a temporary named driver. It's only garage cars that are valid under temporary change of vehicle.

mini mouse

I know if you've been with AXA for 3+ years they give you fully comp on anyone's car for free!
I'm with eagle star and they gave me 3rd party on any car up to 2ltr even when I had a provisional licence !
Although if you're gonna be driving you're friends car regularly and vice versa why not just get insured as a named driver on each others cars? If you both have full licences it shouldnt cost too much !!

timmywex

My dad is comprehensively insured to drive any car, i think he is with royal sun alliance, not sure, got his insurance through www.bestquote.ie

Esel

timmywex wrote: »

My dad is comprehensively insured to drive any car, i think he is with royal sun alliance, not sure, got his insurance through www.bestquote.ie

Are you certain that the other car is comprehensively insured under your father's policy while he's driving it? Normally it's 3rd Party only in this scenario.

mickdw

Yes I would bet that its only 3rd party cover when driving the other persons car