Admiral explains exactly who can legally drive your car once it's insured and whose car you can drive too
You may think, because you have fully comprehensive car insurance you're covered to drive someone else's car, or because a friend has car insurance of their own they can drive your car.
Well, in the interest of avoiding points on your driving licence or a driving ban, the only thing you should ever assume about car insurance is that every policy is different and all insurers offer different types of cover.
Age, car type and occupation can all affect whether you're covered to drive another car.
Who can I add to drive my car?
The only people Admiral will cover to drive your vehicle are the people listed under section 5 of your Certificate of Motor Insurance.
This is the policyholder and any named drivers you choose to include on your policy.
You can insure up to four drivers including the policyholder on an Admiral single car policy; on a MultiCar policy you can insure six per car including the policyholder.
If anyone else needs to drive your car in an emergency, they would need to check their own insurance policy to confirm they have third party cover to drive other cars.
Can I drive anyone else's car?
If you're the policyholder and you're aged 25 or over, then Admiral may be able to arrange third party cover for you to drive someone else's car.
However, just being over 25 doesn't guarantee you'll be able to hop into a friend's car and take it for a spin. You will still need to check section 5 and 6 of your current Certificate of Motor Insurance which tells you whether you have the cover or not.
And you should bear in mind, if Admiral is able to offer you third party cover it's only supposed to be used in an emergency. If you regularly use another person's car it may be worth getting added to their policy as a named driver.
Just think, if you were driving your best friend's flash new car using the Driving Other Cars (DOC) extension of your policy and had a bump, we would only be able to repair the third party's vehicle. That means you could be liable for any damage to your friend's car. That wouldn't be a great end to a day of driving.
Can I add my son or daughter to my insurance?
As a parent, the thought of your son or daughter learning to drive may be a bit of a worry, you probably want to make sure they have as much practice as possible before letting them hit the road on their own.
If you're thinking of adding them to your car insurance policy while they learn to drive, that's fine, you can just call our customer services team.
Just be aware that you may not be able to add young drivers to certain types of cars and there will be an additional fee.
Once they've passed their test you'll need to make sure you're still the main driver of the car. If the car is insured in your name but now your son or daughter has a full licence they drive to work, college or university every day, it may mean they're now the main user of the car.
If they are the main driver while you're the policyholder, this could invalidate your insurance as it may be viewed as fraudulent.
If that's the case you can cancel the policy that's in your name and get a fresh quote in your son or daughter's instead. If you have more than one car then a MultiCar policy could be the ideal way to save you all some money.
Alternatively, why not take a look at our Learner Driver Insurance? The comprehensive cover can be added onto the existing main insurance policy on your car. It protects the provisional licence holder while they learn to drive in your car and your No Claims Bonus won't be affected if they need to make a claim.
What happens if one of my named drivers crashes my car?
If an accident happens in your car, you must report the claim to us as soon as possible. Provided you have the relevant cover, the Claims Department can make arrangements for your car to be assessed for repair.
In the event of a fault claim you'll need to pay the excess to the garage once the repairs have been completed. If the car is declared a total loss then the excess would be deducted from any claim settlement along with any outstanding insurance premiums.
If the accident is the fault of your named driver, your No Claims Bonus would be affected on the renewal of the policy. Both you and the driver would need to declare the claim for any future insurance quotes.