How does car insurance work when driving other peoples cars?

I have a 200bhp car and my car insurance provider (quinn direct) allows me to drive other peoples cars 3rd party as long as the cars not in my name.

Does that mean I could drive a 400bhp car then and be insured or is it limited to cars under my insurance group?

The normal situation is that it is cars that are considered similar in engine capacity, value and group or lower. However, the only way to be certain about cover is to ring your insurer and ask them. In most cases if it doesn't you can have it added for a few hours or longer for a nominal charge.

Yes, you can drive another car but only at 3rd party. (The insurance will NOT pay for any damage to the car you're driving). It would be prudent to telephone the respective insurance companies in the first place to qualify your position/insurance.

Either you or they or both of you will be insured to drive a vehicle you do not own. Check the policy terms and small print for categories and exemptions.

Its for any but only for 3rd party cover - that is if you have an accident driving someone elses car that is your fault (the car has to be insured by the owner) then the car that you hit will be covered on your insurance but not the one you are driving

i have a 315bhp car, and I don't let other people drive it. you can drive other peoples cars, as long as the car itself is insured it doesnt matter the horse power.

well i work for an insurance company and insurance follows the car.
What that means is if you drive a car make sure the car has insurance and you will be ok. check out the limits and you should be okay.

How does car insurance work when driving other peoples cars?


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39 Responses to “How does car insurance work when driving other peoples cars?”

  1. Second Chances says:

    All I know is DO NOT call your insurance provider. It sounds like you haven't. Let the Institute do it. They know exactly what to say. I thought she told me that BCBS wouldn't touch the institute because he's already earmarked as a fertility doc and they don't cover fertility at all. But that could have changed and/or be totally not true. Let's pray it's not!

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  4. lampungphoto says:

    I'm tempted to cancel the policy and change to yet another insurance provider. I've had these guys less than a month.

  5. Anonymous says:

    isn't payed to Gannett - it's payed to the health insurance provider and by law, is required to be exactly what the actual premiums are. The whole point of COBRA was to provide a way for someone to leave a company (regardless of why) and have insurance in a way that wouldn't trigger any "pre-existing condition" clauses.The cost of COBRA has nothing to do with Gannett, but does show what the cost to Gannett actually was.

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    Hope this helps!

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  13. JOS says:

    My concern with Senator Wyden's proposal is that although lower income folks would have the same choice of insurance provider as any member of Congress, could they afford it? I'm leery of any form of "universal" healthcare because with this system, the only way providers can control costs is to control access to certain healthcare, specifically specialties like oncology. This results in longer waiting times before the insured can receive the care he or she needs. This is what the citizens of the UK and Canada are experiencing.
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  15. Like I say, you're lucky. I work for a small company, and after a couple of pregnancies and one operation the health insurance provider jacked up the rates. We had to find a new plan. Then it happened again the next year. Each time we switched to avoid the most punishing rate hike, the premiums, co-pays and deductibles still went up.

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    Why would a health insurance provider reject someone with a preexisting condition?Does it happen often?

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  39. Anonymous says:

    isn't payed to Gannett - it's payed to the health insurance provider and by law, is required to be exactly what the actual premiums are. The whole point of COBRA was to provide a way for someone to leave a company (regardless of why) and have insurance in a way that wouldn't trigger any "pre-existing condition" clauses.The cost of COBRA has nothing to do with Gannett, but does show what the cost to Gannett actually was.

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