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Driving Someone Else's Vehicle

By: Jack Claridge - Updated: 7 Mar 2016 | comments*Discuss
 
Driving Someone Else Vehicle Emergency

At some time or another during our lives those of us who drive may need to drive someone else’s vehicle whether for recreation, work-related or in an emergency. If you are planning to drive another individual’s vehicle then there are a few things you should make sure of before you do.

Insurance

Before you even think about driving someone else's car; ask yourself whether you are you insured to do so. Many insurance policies – in particular fully comprehensive policies – allow you to drive another vehicle with the owner's permission and will cover you to do so.

If you do not have a fully comprehensive policy then you must enquire about either changing your policy to include the provision for driving another person’s vehicle or ensure that the other person’s insurance policy has a clause which allows for any driver.

Unfortunately many people forget to take this into account and as a result insurance companies will refuse to pay out if you are involved in a Road Traffic Accident (RTA). It is also a criminal offence to drive a motor vehicle of any description without the correct insurance to do so.

Learner Drivers

If you are a learner driver then you must ensure, before you get behind of another person’s car, that you are legally allowed to do so. By this we mean having the correct insurance cover – either your own or the person who owns the car – and being able to display ‘L’ plates throughout your time in the vehicle. If your insurance does not cover you for driving someone else’s vehicle you must insure that their insurance does and that it also covers learner drivers. This may mean the person who owns the vehicle has to add you to their insurance policy either on a permanent basis or for a set time.

Automatic or Manual

Another thing to consider before driving another person’s car is your level of familiarity with it. Many people will take to driving someone else’s car quickly if they are an accomplished driver but if you are a relatively new driver then it might appear to be a daunting task, especially if the car has more gears than your own or the car you are used to driving. Likewise it may take some getting used to if you are driving a car which has an automatic gear changing system as opposed to the more common gear stick system: if you have the opportunity to do so, familiarise yourself with the vehicle and its clutch and gears before taking it onto the road.

In Case of Emergency

The only advice that can be given regarding the use of another person’s vehicle in the case of an emergency is that you are legally licensed to drive it on your own and that either your insurance or the insurance of the vehicle’s owner covers you whilst driving it. Without this insurance – as we have already mentioned – you are not legally entitled to drive the vehicle and as such are liable for any damage caused to it or other vehicles whilst it is in your care.

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I have points endorsed on my licence and a huge fine for a vehicle that does not even belong to me what can I do about it?
mentalmck - 7-Mar-16 @ 12:46 PM
I am a care provider and the lady i work for can no longer drive her auto mobile so she wants me to take her places in her car how can i be protected while driving her car do sheneed to contact the insurance company
Minnie Glover - 2-Jul-14 @ 11:14 PM
Wander if can assit me I want to buy a car register it in my name will my partnerbe allowed to drive it as I cannot drive due to medical problem and have never had a licence.would we have to get two insurances or would his cover cover it or is it allowed at all please an you help. Thanks
Linda - 30-Jun-14 @ 9:12 AM
@Jules. You will need to check. I've had a quick look around and most of the 'any drivers' policies I've come across state that other drivers must be over 21 and have held a FULL UK driving licence for at least 12 months. Some of them even state 25 as the minimum age. Your best bet would be to add your husband as a named driver on your policy on his provisional UK licence.
YourDrivingLicence - 18-Jun-14 @ 12:02 PM
If I get Car Insurance in my name and any other driver can my husband who is still a learner drive
Jules - 18-Jun-14 @ 9:07 AM
can anyone please answer my query, i take a elderly lady shopping in her own car which she has me as a named driver, as she doesn't drive anymore. does she still need a valid driving licence anymore
dave - 6-Apr-14 @ 2:21 PM
can someone who is banned for nine month still keep their car registered in their name even if they take their name of the insurance policy
marty - 26-Sep-12 @ 3:43 PM
@Puzzled Providing you have a full licence or international driving permit that remains valid you can drive for up to 12 months from the date of arriving in the UK.You will need short term car insurance for a non-uk resident, any reputable car insurance company should be able to give you a quote.
Lauren - 14-Jun-12 @ 11:11 AM
can a person who is not resident in the uk drive someone else car for about for months. how do they get insurance for that.
puzzled - 13-Jun-12 @ 7:56 PM
If i have a full G licence and insured under a vehicle can i use somebody els's vehicle legaly in Ontario or do i have to be 25?
Cote - 2-Jun-12 @ 7:26 PM
I wanted to enquire whether being an automatic driving licence holder and over 25 years of age, with fully comprehensive insurance whether I would be allowed to drive another automatic vehicle legally?
Pan - 1-Sep-11 @ 4:07 PM
I was driving my wife's car she said she wasn't feeling well. So I was driving. We had a accident and now the insurance not paying on either her insurance or my insurance. I'm not a name driver on her insurance but we both have fully comprehensive insurance. My insurance said that I can't drive my wife car under my insurance. And we are both from the same insurance firm. We don't want to pay for the other party repair or any other cost. Does any know what we can do or where we can get some help?
Vin123 - 21-Jul-11 @ 7:39 AM
after driving someone else's car (with their permission) for some time Had an accident. Then checking there was no insurance cover. What are the legal implications to both parties
ferdy - 15-Jul-11 @ 2:08 PM
Can a banned driver insure a car for other named drivers to drive them around?
lowland crofter - 17-Mar-11 @ 5:55 PM
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