Can I drive another car on my car insurance?

DOC insurance allows you to drive other people's cars. Find out whether DOC is included as standard in your existing policy, what level of cover you get and whether there are any restrictions.

Updated

Fact checked
Promoted

Get cheap car insurance quotes

Quotezone WL logo
  • Save up to £283* on your car insurance
  • 97% of reviewers recommend Quotezone
  • Compare over 110 insurance providers
Get a quote

Some people might assume that, because they have comprehensive car insurance, they’re covered to drive other cars as well. But that may not be the case. We’ve looked at what DOC insurance means and how you can get the best cover for your needs.

What does driving other cars (DOC) mean on a car insurance policy?

Drive other cars insurance, or DOC insurance as it’s sometimes known, is the option to drive someone else’s car without being a named driver on their policy, and still meet at least the minimum legal requirement for insurance cover on UK roads (third party only).

Can I drive another car on my insurance?

That depends on the cover you have and what provider you’ve taken this out through.

Some include this type of cover with third party only insurance, and some even offer comprehensive cover as standard. However, in many cases, DOC cover is an optional extra that requires an additional premium.

Can I drive another car on comprehensive insurance?

DOC insurance used to be a standard element of comprehensive car insurance policies, with drivers getting third party cover to drive other vehicles. However, this isn’t true of all policies these days.

For those providers that still offer this type of cover, it will likely only be available as standard with a comprehensive policy. Other insurers will allow you to add DOC insurance to your comprehensive policy (it’s not usually available with lower levels of cover).

What level of cover will I have if I’m insured to drive other cars?

This depends on the insurer. Most would offer third party cover only, though in some cases you would be able to extend this to comprehensive cover for an extra premium.

Some providers offer comprehensive cover when driving other cars, but this is rare.

In some cases, there might be extra restrictions on DOC insurance cover, like the age of the driver and the length of time the policy can last for. Check your policy details carefully to make sure you know exactly what is and isn’t covered.

How do I find out if I have driving other cars insurance on my policy?

You can check your policy documents or speak to your insurer directly.

Never assume this is included in the cover – always make sure before you get behind the wheel to avoid ending up driving uninsured.

What do I need to do to be eligible for DOC?

Eligibility criteria will vary by insurer, but these are some of the typical requirements:

  • Some insurers will have age-related criteria, like a minimum age of 25 or over when the policy starts.
  • Your car insurance policy needs to be a fully comprehensive one.
  • The other car must have insurance already.
  • Your car must be in a road-worthy state (not written off, etc).
  • Your occupation cannot be in the motor trade (where you often drive other cars).
  • Your certificate of motor insurance must state that you have the DOC extension.

How is driving other cars different to adding a named driver?

Adding a named driver means that a specific other person can drive your car, or you can drive theirs if they add you as a named driver on their policy. This is good for couples and family members, as you get fully comprehensive cover to drive the car whenever you need to.

Driving other cars insurance means you can drive any other car, not just one where you are a named driver on the policy. This is best for emergencies, for example, if you need to drive a friend or family member to the hospital. In most cases, you will only get third party cover with DOC insurance, which is the minimum level legally required to drive on UK roads.

What can I do if I don’t have DOC insurance?

If you cannot get drive other cars insurance, either because you don’t meet the eligibility criteria or because your insurer doesn’t offer it, you still have some other options. These include:

  • Ask the owner of the car you wish to drive to add you to their policy as a named driver. You’ll have the same level of cover as them.
  • The car’s owner can add you to their policy as a temporary driver. There is usually flexibility on the length of time you are included in the policy – it can be a week or a month, whatever is needed.
  • You could take out a temporary car insurance policy on the car you want/need to drive – this can be for a period of time as short as just one day.

Frequently asked questions

*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

More guides on Finder

  • Business gadget insurance

    Find business gadget insurance to cover all your expensive items such as mobile phones and laptops.

  • Gadget insurance abroad

    Find out whether you need gadget insurance for travel and what’s included in the cover, plus tips to keep your devices safe while travelling.

  • Modified motorcycle insurance

    Find out what type of insurance you need if you’ve made additions or alterations to your motorbike.

  • Compare the best business credit cards of 2021

    Saving time on expense reports and streamlining your cash flow are just a couple of the many perks you could enjoy with a business credit card. Compare interest rates and check your eligibility today.

  • Learner motorbike insurance

    Find out what motorcycle insurance for learner riders includes, what affects the cost of premiums and how you can save money.

  • Courier van insurance

    Find out what van insurance for courier drivers includes, who it’s for and how to save on your policy.

  • Peugeot 108 insurance group

    Find out which insurance group the Peugeot 108 falls under and how much it costs to insure.

  • What happens to my pension when I die?

    What happens to your pension pot after you die depends on the type of pension you’ve got and when you die. Find out what happens to yours.

  • Wealthify pension review

    As well as its ISA and general investment options, you can also invest in a Wealthify pension. Find out the features of Wealthify’s SIPP.

  • Multi bike insurance

    Consider your options with multi motorcycle insurance and learn about ways to save on your insurance premiums.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site