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The short answer
Comprehensive insurance does not automatically let you drive another car. A driving-other-cars extension can have narrow conditions and may provide only third-party cover. Check both the certificate and wording.
Find the actual permission
Look for a driving-other-cars provision applying to you. It might not apply to named drivers, younger drivers or every vehicle.
- Ask the insurer if the wording is unclear.
- Get the owner’s permission.
Cover level and restrictions
An extension may be third-party only, leaving damage to the borrowed car uninsured. Ownership, hiring, vehicle type and use can be restricted.
- Check whether the borrowed car needs its own policy.
- Check commuting or business use before a work journey.
Named-driver or temporary cover
Being added to the owner’s policy or buying suitable temporary cover may be an alternative. Compare eligibility and actual cover.
- Confirm the start time before driving.
- Read excesses and claims conditions.
Do not rely on the database alone
A vehicle showing as insured does not prove you are covered to drive it. The driver and intended use still need suitable permission.
- Check the policy documents.
- Do not assume a seller’s policy covers a test drive.
Before you decide
- Confirm permission applies to you and the car.
- Check cover level and use.
- Arrange suitable cover before borrowing or test driving.
Frequently asked questions
Does the extension cover named drivers?
Only if the policy says it does; many extensions are restricted.
Can I drive because the car is insured?
No. A policy on the vehicle does not automatically cover every driver.
Sources and further reading
Prepared by CompareDirect using the sources above. Policy eligibility, cover and claims depend on the provider’s current documents and your circumstances.
Before you buy
Our car insurance listings compare provider features and quote destinations, not personalised premiums. Check the exact product, eligibility, excesses and full terms on the provider’s website. Nothing here is a personalised insurance recommendation.
More guides
- Temporary car insurance: borrowing and short-term cover
- Named drivers, main drivers and fronting
- Check whether your vehicle is insured
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