Am I Covered to Drive Other Cars? 

1 min read | October 2024
 

You might assume that your car insurance policy automatically covers you to drive other cars. But are you really covered? We help break down what you need to consider.

What is ‘Driving Other Cars’ Cover?

The purpose of car insurance is to cover the driving and damage of a specific car. ‘Driving other cars’ relates to coverage for cars other than the insured vehicle.

Am I Covered to Drive Other Cars?

A car insurance policy may include a ‘driving other cars’ cover extension as part of the standard cover, or there may be an additional charge to include it as an optional extra. If you're unsure which applies to your policy, check with your insurer.

Limits to Cover

If you have ‘driving other cars’ cover the extent of the coverage may differ from what you expect. Typically, cover for ‘driving other cars’ is restricted as follows:

• Only the policyholder is covered; additional drivers (e.g., a named friver) on your policy are not covered.
• Only third-party liability is covered; damage to the car you are driving is not covered.Your policy may include different restrictions. For example, Allianz’s ‘driving other cars’ cover does not apply to policyholders under the age of 25, to cars that belong to the policyholder or their employer, or to cars hired or leased to the policyholder. It’s best to check with your insurer to confirm any exclusions that may apply to your policy.

It’s important to remember that this benefit is intended for infrequent use, such as driving a friend home who has fallen ill. For frequent use, becoming a named driver on the other car's policy is the appropriate approach.

Learn more about Allianz Car Insurance.

This guidance is for general information purposes only. Information correct as of date of publishing.

Allianz p.l.c. is regulated by the Central Bank of Ireland. Standard acceptance criteria and policy conditions apply.