Does comprehensive car insurance cover others not on the policy?


Posted July 23rd, 2010 by admin 5 Comments »
car
justasking asked:


My Brother has a full comprehensive UK car insurance. Can I drive his car and be covered by the insurance even though I am not listed on the insurance and live at the same address. I have a full UK license, he claims I am covered because he gives me the permission to drive the car which according to him is right.
I have read the insurance policy but my brains are not big enough to understand that “given permission” part.
If anyone can throw more light on this, it will be fully appreciated.

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Posted in Insurance & Registration | 5 Comments »

What happens when you lend someone your car, and they get into an accident? How does the insurance work?


Posted March 3rd, 2009 by admin 14 Comments »
car
Left Footed asked:


Does the owner’s insurance get used, or does the person who was driving the car use their own insurance? Also, is it techically “legal” to let someone else drive your car without putting them on your insurance? What if they just borrowed it once or twice and got into an accident? Does the owner get penalized by his/her insurance company, or will the owner’s insurance even cover the accident?

Just something I have wondered, especially since I have had to drive my fiancee’s car around the past few days since my car is in for repairs. I am not on his policy, and I don’t PLAN on having an accident, but I like to be prepared with knowledge. Thanks!

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Posted in Insurance & Registration | 14 Comments »