Car Insurance With 3Rd Party Cover On Other Vehicles. Driving other cars insurance (usually) means third party only cover. It will cover you for damage to a third party’s car or property.
Please be aware that you're only covered to drive other cars in. If the accident is not your fault, however, you can claim against the other party (see table). Plus, you won’t be covered if that car is stolen or damaged by fire.
If you are covered, it will generally be on a third party only basis, and this will be shown on your certificate of insurance. This means that if you’re involved in an accident with another car and you’re at fault, any damage to the car you’re driving won’t be covered. 3rd party cover allowing me to drive uninsured car question:
Third party car insurance is the minimum level of cover you can take out to enable you to drive on public roads. Although driving other cars cover does allow you to drive another already insured vehicle, most policies will only cover you to drive other cars with third party only (tpo) cover, rather than the. I have a comprehensive insurance policy which gives me 3rd party cover to drive other vehicles with the owner’s permission.
This will depend on a variety of factors including your age, occupation and the type of policy cover you choose. In the past, most comprehensive car insurance policies included driving other cars (doc), giving drivers third party policy protection when driving other people's cars with their permission. Have a comprehensive policy (third party fire and theft cover does not include this option) are the policyholder and main driver on the policy with us.
It meets the legal requirements and provides cover to third parties in the event of an accident or incident. You would be liable for the damage caused to the car you’re driving. My son has a vehicle with no insurance and i have been advised by my insurance company that i am covered to drive his vehicle for occasional use.
If you get into an accident that’s your fault, your insurance company will pay out compensation to the other party involved, including personal injury claims. The ‘driving other cars on a third party only basis’ extension is only provided on policies where this is specifically detailed on your most recent certificate of motor insurance. You could even be subject to 6 penalty points on your licence or up to £300 fine if you’re caught driving without insurance.
