There are many reasons why you might need to drive a car you don’t own. You might be staying with friends temporarily, for example, or you might be borrowing a relative’s car to run weekly errands.<\/p>
Whatever the reason, it’s crucial that you have the right type of car insurance policy in place to ensure you’re driving legally.<\/p>
Yes, it is possible to insure a car that you don’t own but you’ll need to inform the insurer that you are neither the registered keeper of the vehicle, nor the owner.<\/p>
Not all insurers will offer cover as the main driver if you are not the registered keeper of the car, but some will. However, the cost is likely to be much higher.<\/p>
To legally drive someone else’s car there are several options available to you:<\/p>
As mentioned above, one option is to simply apply for car insurance in your own name to drive another car. Just be aware that you may need to shop around to find a suitable policy as some insurers will only allow you to drive someone else’s car if it belongs to:<\/p>
You can usually drive someone else’s car by being added as a named driver<\/a> to their existing car insurance policy<\/a>. Depending on your age and driving experience, and how this compares to the main driver, this may increase or reduce the cost of insurance premiums.<\/p> For example, if you’re a young driver looking to join your parent’s policy<\/a>, it’s likely that the cost of the policy will go up as insurers will view you as more likely to be involved in an accident and more likely to make a claim. On the flipside, if a more experienced driver is added as a named driver on your policy, you may be able to enjoy lower premiums as a result.<\/p> Regardless of who is being added to the policy, it’s important that the main driver is the policyholder to avoid “fronting<\/a>“, which could invalidate the car insurance policy altogether. If you don’t share the same address as the main driver, you may also find it more difficult to get added as a named driver.<\/p>\n