What is ‘Driving of other Cars’ cover on a car insurance policy?
Many car insurance products include the ‘driving of other cars’ extension as standard. This cover is not always included. It also may be excluded for drivers under a certain age or drivers with provisional licence etc. It is important to ask if the cover is included before proceeding with a new car insurance policy.

But what is driving of other cars on a car insurance policy?

This is an additional cover extension that allows you to drive a third party car (not owned by you). Third Party Only cover will apply. Policy wordings may vary, but here are a few examples:

Kennco car insurance policy:
If your certificate of motor insurance says so, we will insure you to drive any Private Car that you do not own and have not hired under a hire purchase or leasing agreement, providing you have the owner’s permission to do so.

Wrightway car insurance policy:
The policy is extended to include indemnity to the insured while personally driving any private motor car provided such vehicle:
- Does not belong to the Insured.
- Is not hired or leased to the insured under a hire purchase or leasing agreement.
- Is not the property of or in the custody of any company or firm of which the insured is a member, director or employee.
- Is not the property of or in the custody or control of a motor trade business of which the insured is a member, director or employee.

Axa car insurance policy:
This cover will also apply if you are driving any other car which your certificate of insurance covers you to drive. If you are covered to drive other cars it will be show in section 5(b) of your certificate of insurance. This cover only applies if:
- You do not own the car or you have not hired the car under a hire purchase agreement.
- It is shown that this cover applies under section 5 (b) of your certificate of insurance
- You have the owner’s permission to drive the car
- The vehicle is being used within the limits for use shown in your current certificate of motor insurance.

Sertus car insurance policy:
Liability to third parties is extended to apply to the driving by you with the owner’s permission, of any car (excluding Spouse’s car) not belonging to you and not hired or leased to you under hire purchase or leasing agreements up to a maximum of 2000cc.

Zurich car insurance policy:
Liability to Third Parties is extended to include indemnity to the insured while personally driving any private motor car provided such vehicle:
- Does not belong to the insured.
- Is not hired or leased to the insured under a hire purchase or leasing agreement.
- Is not the property of or in the custody of any company or firm of which the insured is a member, director or employee.
- Is not the property of or in the custody or control of a motor trade business of which the insured is a member, director or employee.

NOTE
It is important to remember that in all cases, there is no cover for damage to the car being driven by you. So if you borrow your friends car and crash it, the damage to the car you were driving is not covered.

If you would like a competitive car insurance quotation, log on to www.easyquote.ie or call us on 1890399399. We provide competitive insurance products & an exceptional level of customer service.

This document is intended as a guide only. Insurance companies change the terms and conditions of their policy wording on a continual basis. It is imperative that you read the terms and conditions of your policy document.