Driving A Friend's Vehicle Using My Insurance

[AllenP]

I have a fully comp policy which allows me to drive any other vehicle not owned by myself. This cover is restricted to 3rd party liability. One must also have the permission of the owner.

I assume that such a vehicle must be taxed and a MOT held if appropriate since this is a legal requirement. My question is whether the vehicle also needs to be desperately insured or is my own cover sufficient. I have had conflicting advice and would be grateful for some authoritative answer.

Thanks

[Celticfan]

The other vehicle has to be insured as well on a seperate policy.

Otherwise you could take out a policy on a small cheap car and drive supercars without actually insuring the higher cost vehicle

[AllenP]

Thanks for that. One has to check that the other vehicle is separately insured even though that insurance would not be invoked in the event of an incident involving a driver utilising their own policy.

Tks again

[jeebowhite]

Thats correct, any vehicle being driven on the road must have its own insurance policy. For a third party to drive that vehicle with consent and in roadworthy condition, is down to the insurer. Some insurers can provide fully comprehensive insurance but it comes at a price.