This is where you need to check your documents very carefully, as some insurers provide DOC cover but others don’t.
And even if your insurer does provide DOC cover, there are always differences in the rules and restrictions that each insurer applies to the cover.
So it’s a minefield and you must check your own position carefully before getting into a borrowed vehicle.
As a general rule though, the restrictions around DOC cover (if it’s provided at all) are as follows :
- it applies to the main Policyholder only (ie NOT to Named Drivers)
- it is Third Party Only cover (ie no cover is provided for damage to the vehicle being driven)
- it only applies if the Policyholder is aged 25 and over
- it does not appear in Temporary Motor Insurance policies
- the cover does not operate outside the UK
- there will usually be restrictions about the vehicle that can be borrowed (such as cars and vans with a Gross Vehicle Weight of less than 3.5 tonnes)
- and about the ownership of the vehicle (must not be a hire or rental vehicle)
- and sometimes about your occupation (you must not be involved in the motor trade or any of its ancillaries)
Category:
Car Sharing