DRIVING another person’s automotive may appear innocent, however it could actually land you in massive bother when you’re not cautious.
As a motorist you have to be sure to’re accurately lined by insurance coverage in any other case you would face fines or worse.
Can I drive another person’s automotive?
The principle factor to pay attention to when driving any automobile is whether or not you might be insured.
Insurance coverage is a authorized requirement within the UK and when you do drive one other automotive with out being insured then you definately’re breaking the legislation.
Which means you threat a hefty superb, penalty factors and doable disqualification.
Does my insurance coverage cowl me to drive another person’s automotive?
Driving different vehicles (DOC) is a clause in your automotive insurance coverage coverage.
It means that you can drive another person’s automotive with out being a named driver on their coverage.
However you will must test the small print of your coverage, as a result of it is not at all times included.
If such a clause will not be included in your coverage then you aren’t lined to drive any automobile besides your individual – even when your insurance coverage coverage is totally complete.
Earlier than getting behind the wheel of one other automotive, it is best to talk to your insurer.
Aviva says: “Third get together solely is the minimal cowl you must drive legally within the UK.
“When you’ve got complete insurance coverage, you are lined with third get together solely insurance coverage if you must drive another person’s automotive.
Can I be fined for driving another person’s automotive?
When you’re caught driving a automobile you’re not insured to drive, the police might offer you a hard and fast penalty of £300 and six penalty points
Having the automotive proprietor’s permission does not imply DOC is authorized.
Except you are a “named driver” on their automotive insurance coverage you nearly actually will not be insured.
What occurs if I’ve an accident whereas driving another person’s automotive?
When you get into an accident whereas DOC you would finish up paying a hefty restore invoice.
DOC insurance coverage is barely ever third get together cowl, so is not going to pay for any harm performed to the borrowed automotive.
As a substitute, you’ll be liable and should pay out of your individual pocket.
What is the punishment for driving different vehicles?
Even when the automotive you are driving is totally insured by the proprietor – when you’re concerned in an accident or caught with out DOC insurance coverage, you can be handled severely by the legislation.
If the case goes to court docket you would get a vast superb or be disqualified from driving.
The police even have the facility to grab, and in some instances, destroy the automobile that’s being pushed uninsured.
The proprietor would additionally face prosecution for letting an uninsured particular person drive their automotive.
Insurance coverage corporations take convictions for driving with out cowl very significantly.
What about check driving a automotive?
Even when you’re solely check driving a automotive, you continue to have to be insured.
All the time test you’re insured earlier than you set off.
When you’re shopping or shopping for the automotive from a principal dealership then this normally gained’t be an issue – as it is going to have cowl in place.
However when you’re shopping for privately you’ll have to substantiate your individual coverage covers you.
It’s at all times price calling your supplier to be completely positive.
What else ought to I do know?
Individuals beneath 25-years-old or with driving convictions are unlikely to have DOC cowl.
When you often must DOC it could be higher to be a named driver on their coverage.
Ask your insurer so as to add a clause to your present coverage even when you aren’t already lined. Nonetheless not all insurers provide this feature.
When you’re planning to borrow or rent a van and also you’re uncertain about protection then test along with your supplier or the rental firm.
Ten issues YOU ought to know as a automotive proprietor
https://www.thesun.ie/motors/8333504/can-i-be-fined-for-driving-someone-elses-car-insurance-rules-explained/ Can I be fined for driving another person’s automotive? Insurance coverage guidelines defined