Flaming Confusing

[john h]

For want of entertainment I watch police programs quite often and the situation on insurance appears to have changed over the years, it seem that for instance unless you are actually named on the policy you will be driving illegally just having a test drive in a second hand car even with the seller's permission, and how about taking over the driving in an emergency, its got barmy with rules and driver, top that off with non-transfer of remaining road-tax, its tax on the car being shuffled onto the driver, very underhand tactics

[paul.h]

I always thought it is the driver who is insured to drive the car and not the car insured to be driven. Company cars may be different if they let any employee drive a car provided they have a valid driving licence.

 

If you drive another car that is not yours or hired, then provided your insurance allows it, you are then insured but only third party - so if you have a bump the third party can claim damages against you but the car you are in is not covered. If you want your car to be driven by people other than yourself and for it to have the same cover, then they have to be named driver's on your policy (or have their own policy). Unless the second person is higher risk, it does not cost much to add another person. The named driver also needs the permission of the car owner to drive the car.