It’s often thought to be perfectly legal to borrow a friend’s car to drive, but in reality this seems to be somewhat of a grey area. Not all car insurance policies are made equal, and some will not allow for you to drive another person’s car. Most policies will allow for occasional sharing of cars between friends and family but if you intend on borrowing a car regularly, you may be required to put your name on the policy. If you fail to notify the insurer of this type use, you may be in breach of contract.
It’s always well worth checking with your insurer, especially if you’re a young driver with young drivers insurance , as some insurers will have certain restrictions in place depending on the age of the driver and the vehicle they intend to drive. A quick phone call is all that is required, and this can save you from considerable headaches should you be caught driving uninsured.
You may be tempted to drive uninsured if you’re using a friend’s vehicle on a one-off occasion. The problem is, if you’re caught to be driving uninsured, you may be fined up to £5,000 and may face losing up to 8 points on your license. To make sure you’re driving within the law when using a friend’s car, look into a short term car insurance policy to cover you. Short term car insurance will allow you to legally drive another person’s vehicle from 1-28 days, with prices starting from as little as £15 a day.
Getting a short term car insurance policy is simple, and can be sorted quickly. Many insurers will now allow for you to buy insurance over the internet, so you can be driving a friend’s car within hours of them agreeing to lend you their vehicle. Short term car insurance is also perfect for those wanting to rent a vehicle for a short holiday or to help with moving.
Short term policies in most cases will cover anyone from the age of 18, however some insurers will only give short term policies to drivers over 21. If you are under the age of 21, it’s recommended that you shop around to find an insurer who will cover you. When buying insurance, it’s important that you read the small print to see exactly what cover the policy offers. Avoid cheap policies that sacrifice some forms of cover as you may find yourself unprotected in certain circumstances.