Car Insurance

Do I need insurance when driving someone else’s car?

From time to time you might need to drive someone else’s car. Maybe it’s an emergency or the owner wants to let you run some errands.

You should not hesitate to take to the driver’s seat due to a lack of personal insurance cover. The short term use of someone else’s car is usually covered under their car insurance policy. All you need is the car owner’s verbal permission to borrow the car to be covered. This is also known as “permissive use”, where the car’s liability coverage will pay for the injury and damages caused if you get into an accident.

However, the rules might change when you frequently borrow the car or when you have to use it for an extended duration. At which point, you should have a non-owner insurance policy for your protection or or monthly car insurance make sure you’re added to the other person’s policy.

When does the policy not cover me when driving someone else’s car?

Here are some of the few cases where you are not covered by the car insurance policy when driving someone else’s car;

• Failure to get permission – As long as the car owner can prove that they did not grant permission for you to use the car, you will have to bear the damages.

• Driving under the influence – Driving under the influence forfeits all the insurance coverage when driving someone else’s car.

• Excluded on their policy – Car insurance policies allow the car owner to exclude specific drivers. Driving the car when you are an excluded driver from the policy means you do not qualify for coverage and might be breaking the policy rules in the process.

• Unlicensed driver – You must have a valid driver’s licence to be covered under someone else’s car insurance policy.

Can I take my own insurance to drive someone else’s car?

While you might be covered on the car’s insurance policy when driving someone else’s car, there are times when it’s better to have a non-owner car insurance policy. This cover is recommended when you regularly borrow someone else’s car, rent cars frequently or you’re in between cars.

Are you looking for the best non-owner car insurance? You are better off using our tools to help you find the right full coverage auto insurance for you.

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Car Insurance

Three ways to get the best car insurance deals

Buying car insurance for new drivers can be daunting at times, as there is so much to take into consideration. But really, it’s all about understanding what you’re paying for. Whether you’re a new or experienced driver, here are three of the best ways to get the best car insurance deals:

1. Secure your car to secure your insurance price

One of the best ways to get the liability car insurance deals is to show the underwriters not just how safely you drive, but how safe and secure your car is. Make sure your car has a professionally fitted alarm and/or immobiliser and by parking in a safe spot, such as in a driveway or garage. Doing this will lower your risk, giving you much cheaper insurance.

2. Don’t pay more for add-ons

When buying car insurance, you’ll notice providers will try to sell you add-ons. However, sometimes the best insurance deals may require you to skip these add-ons because they’ll just add extra costs without any benefits. Think about if you need a courtesy car or legal cover. Breakdown cover can even be included on some bank accounts. You should also think about travel insurance which can cover excesses on rental cars while travelling.

No Claims Protection is actually a good add-on to have. It will keep your premiums low, even if there is an accident on the road, which is good in the long term.

3 Comprehensive over third-party

Many insurance providers have found that, statistically, those who take out third-party car insurance are more likely to make a claim. This means that they’ll drive up the price of third-party insurance even though it offers less cover than comprehensive. Those who choose comprehensive insurance are considered more responsible, and so the premiums can be much lower. This can be an excellent choice as you, your car and the third party will be covered, and you won’t be overpaying for the privilege.

Generally, you should compare providers to secure the best deal. Our dedicated team of specialists are here to help, so contact us today and we’ll help find you the best car insurance deal.

Photo: Free image by Pixabay