Admiral can i drive any car

Both you and the driver would need to declare the claim for any future insurance quotes. While you can add them as an additional driver, any claims made will affect your No Claims Bonus.

If they only want to borrow your car for a short term - anything from one hour to 30 days Veygo by Admiral's Car Sharing Insurance may be a better option for you. The fully comprehensive cover is perfect for someone who wants to borrow a car from a friend, colleague or family member or for someone who wants to loan their car. Any claims made with Car Sharing Insurance will not affect the car owner's No Claims Bonus and the temporary driver can be insured as soon as payment is processed.

Lifestyle Guides Adding an additional driver to your policy. Carys Frampton 5 May Updated 11 November 6 minute read. Age, car type and occupation can all affect whether you're covered to drive another car. Who can I add to drive my car? This is the policyholder and any additional drivers you choose to include on your policy.

Can I drive anyone else's car? Can I add my son or daughter to my insurance? What happens if one of my named drivers crashes my car? A friend or family member wants to borrow my car for a few days - should I add them as an additional driver? Multi car insurance isn't a one-size-fits-all model, and the value of any policy will be determined by the cars and drivers in the household.

For this reason, it's always wise to shop around and compare multi car insurance quotes against the corresponding single car policy quotes. As an example, in a house of one adult over 40 and one inexperienced young driver, the overall cost of both policies may be reduced by a multi car policy.

However, while the inexperienced driver will be paying less than they normally would on a single car policy, the older driver pays slightly more. This could be handy if the older driver is a parent who will ultimately pay for both policies. Yes, you can be insured on as many cars on a multi car policy as you like, so long as you drive each of them.

It's likely that any accidents will count against the no claims record of the main driver, however. In some multi car policies, having older or more experienced drivers listed as named drivers on the cars of more inexperienced drivers could reduce the premiums. Generally, it's cheaper to have experienced drivers listed as named drivers on the policies of inexperienced or young main drivers.

However, it's important to make sure that named drivers do actually drive the vehicles they're named on, and that they do not drive the vehicle more often than the main driver. Otherwise you could be guilty of fronting, a type of car insurance fraud. Your own insurance policy will dictate exactly which cars you can drive.

If you've taken out a multi car policy on more than one of your own cars, you can drive any of them. Likewise, if you're a named driver on another car in a multi car policy, you can drive that car. You can't legally drive any vehicles on which you aren't a named driver, unless you have a driving other cars DOC clause in your own insurance policy. Check this with your provider, as it's often not included as standard.

If you do need to drive a vehicle, and aren't named on the policy, you can take out temporary car insurance, for a single trip or for a set period of time. So long as your partner is a named driver on your insurance policy or has a driving other cars DOC clause in their own policy, you can let them drive your car. If they aren't eligible, they will need to take out temporary car insurance or be listed on your policy in order to drive your car.

These details can be confirmed by visiting the Financial Services Register, www. EUI Limited acts for, and on behalf of, other regulated insurance companies. Further details may be provided on request. We endeavour to keep our users fully informed when it comes to making a purchasing decision. Please read through our handy guides to find the information you need. Get cover for just a single day with a temporary policy — perfect for emergencies.

Drivers with a driving or criminal conviction face higher premiums, but specialist policies are available. Car insurance works slightly differently with rental cars compared to your own vehicle. Find out more here. Not all policies have to last a whole year. Get cover for a month or even a day with short term car insurance. Driving an electric car not only helps the environment and cuts down on fuel costs, but you can get cheaper insurance too.

Taxi drivers will need a specialised insurance policy that reflects the increased mileage and risks that come with the job. The car you want to drive must be covered by an existing insurance policy, and you must have permission to drive it. Although driving other cars cover does allow you to drive another already insured vehicle, most policies will only cover you to drive other cars with third party only TPO cover, rather than the fully comprehensive cover you get on your own car.

Third party car insurance is the minimum cover you legally need to drive. There are two types of third party; third party only or third party fire and theft. In the event of an accident, your insurer will pay for any damage or injuries to third parties, their vehicles or property. But will not pay for repairs or replacement of the car you were driving. So if you're driving a friend's car and get into an accident, you could be liable for any repair bills to their vehicle as this won't be covered by your insurance.

This level of cover will likely cover injuries caused to any third parties, including your passengers, but not to yourself. The devil is in the detail so always check the policy wording. Read our guide on the different types of insurance to learn more about third party only TPO , third party, fire and theft TPFT , and comprehensive insurance policies. Driving other cars cover allows you to drive other insured cars without being a named driver or buying temporary cover.

The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. It's not automatically included on every comprehensive policy — so check first.

Unfortunately, driving other cars cover is not available to everyone. Those with criminal convictions or who have made an insurance claim on their own policy may not be able to get DOC cover either. Some occupations may be excluded.

Driving other cars insurance is only ever third party only insurance, so it will not pay for any damage your do to the car you have borrowed.

You would need to pay for that out of your own pocket. Driving other cars cover is an add-on intended to allow you to drive other cars in an emergency, and will not extend to other cars you own.