a simple guide to getting it right when buying insurance
Driving Other Cars (DOC) is provided under some Private Car and Motorcycle (Driving other Bikes) insurance policies and covers the policyholder to drive another car (or Motorbike). There are some rules relating to this of course.
It is not meant to be relied upon for everyday use and is really for emergency use should you need to drive another car. For example, if your car didn't work and you had an emergency,and your friend says use mine or you were a passenger in a friends car and they had suddenly become ill, leaving you all otherwise stranded.
This cover is not provided under any commercial policies and does not allow you to drive a Commercial Vehicle or Commercial type vehicle even if covered on a private car policy. You would also not be able to ride a motorcycle under a Private Car DOC and vice versa if you had riding other bikes on your motorcycle policy you couldn’t use it to drive a car.
Make sure you check your certificate of insurance to see if you have the cover before you drive someone else's car. You could end up getting a conviction for no insurance (IN10) 6 Points on your licence and a fine (around £200) or potentially a driving ban. Not only that, but some insurers will not insure you if you have had an IN10 conviction and if they do, it will more than likely increase your premium substantially.
Similarly, if you are going to let someone drive your car who says they have DOC on their policy, ask to see their insurance certificate, because you could still get a conviction for letting someone drive your car uninsured (an IN14 conviction -
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Your friend rocks up in his new car and asks if you want a go.
Do you grab the keys or check your insurance first?
Driving Other Cars is not always given even on Comprehensive Cover.
Check your certificate or anyone’s who you’re lending the car to first.