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Confused.com Car Insurance ADVICE
 

The drive other motors' clause that has been included in most policies for years, has now come under the spotlight and car drivers have been advised to check with their own insurance company before they borrow someone else's car. The benefit of being able to drive another person's motor depends upon a variety of factors not least whether the individual insurer allows this. Other factors include the age of the driver; they often have to be over 25, and the driver's record. For example if the driver has made several claims and also has penalty points then they may not be covered to borrow someone else's car.  

Confused.com Car Insurance Guide
Many vehicle drivers have long benefited from the 'drive other motors' clause most insurers have included in their policies. This means that it is legal to drive a vehicle that does not belong to you, with the owner's permission, and that you will be insured. Generally you are able to drive another person's car if you are insured fully comprehensively but will be insured on that motor third party fire and theft.

A leading insurer, Endsleigh, has now changed its vehicle insurance policy and will not cover drivers to drive vehicles for which they are not directly insured. The 'drive other cars' clause that has been included in most policies for years, has now come under the spotlight and car drivers have been told to check with their own insurance company before they borrow someone else's vehicle.

The benefit of being able to drive another person's car depends upon a variety of factors not least whether the individual insurer allows this. Other factors include the age of the driver; they often have to be over 25, and the driver's record. For example if the driver has made several claims and also has penalty points then they may not be covered to borrow someone else's vehicle.

Confused is cancelling this option to drivers as it says that too many individuals are using it as a scam to reduce the cost of their vehicle insurance. The 'drive other vehicles' clause is also seen by police to be a hindrance in overcoming the issue of uninsured owners. This might be seen as a setback by many law abiding drivers who have been able to use someone else's motor in an emergency, such as taking someone to hospital.

However, many dishonest people abuse the system by buying low cost car insurance for a small motor and then borrowing high powered performance motors belonging to friends. These are cars that they would never normally be able to drive. Because of this new restriction insurers believe that dishonest behaviour will be curbed. Other car insurance companies thought to be following suit include AA, Cornhill Direct, Royal & Sun Alliance and Axa.

These changes are being made as a result of suggestions by the Department of Transport who feel that phasing out the clause will prevent uninsured drivers from getting an easy ride. It's always best to check that you are insured on another person's vehicle before you borrow it. In the past, more often than not, it's been acceptable to drive your mate's car but now many insurers are phasing this option out.

You can have you name put on another person's motor insurance policy very cheaply so if you want to regularly drive your girlfriend or boyfriend's car or your Mum doesn't mind you borrowing hers, then you can do so legally. Insurance companies will also be lenient on individuals who have a genuine emergency, for example if they need to get to hospital quickly and the only motor available belongs to someone else.

A leading insurer, has now changed its motor insurance policy and will not cover consumers to drive cars for which they are not directly insured.

Confused is deleting this option to drivers as it says that too many people are using it as a scam to reduce the cost of their motor insurance. The drive other motors' clause is also seen by police to be a hindrance in overcoming the issue of uninsured people. This might be seen as a setback by many law abiding people who have been able to use someone else's vehicle in an emergency, such as taking someone to hospital. However, many dishonest owners abuse the system by buying low cost vehicle insurance for a small car and then borrowing high powered performance vehicles belonging to friends.

These are vehicles that they would never normally be able to drive. Because of this new restriction insurers believe that dishonest behaviour will be curbed. Other car insurance companies thought to be following suit include AA, Cornhill Direct, Royal & Sun Alliance and Axa. These changes are being made as a result of suggestions by the Department of Transport who feel that phasing out the clause will prevent uninsured owners from getting an easy ride.

It's always best to check that you are insured on another person's motor before you borrow it. In the past, more often than not, it's been acceptable to drive your mate's motor but now many insurers are phasing this option out. You can have you name put on another person's car insurance policy very cheaply so if you want to regularly drive your girlfriend or boyfriend's vehicle or your Mum doesn't mind you borrowing hers, then you can do so legally. Insurance companies will also be lenient on people who have a genuine emergency, for example if they need to get to hospital quickly and the only vehicle available belongs to someone else Financing a car is a dream, which not everyone can afford due to involvement of high investments.

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