Have you ever needed to use somebody else’s car only to realise that you’re not insured as a named driver on their policy? One of the most common questions we hear at Allianz in relation to car insurance is whether or not you’re covered to drive other people’s cars under your policy. We will be happy to reply that the answer is yes, so long as you’re over 25 and that you’ve chosen Driving Other Cars as an optional extra*.
This option will allow you to drive another private car with the owner’s permission provided the car:
- Does not belong to you or your employer
- Is not hired or leased to either of the parties described above under a hire purchase or leasing agreement
- Is not the property of or in the custody or control of a motor trade business of which you are a director, member or employee
It applies only to the policyholder and is restricted to Third Party cover only. So, in the even of a claim while driving a private car not listed on your policy, only the damage incurred by the third party will be covered.
It should also be noted that Fire, Theft or Accidental Damage covers do not apply while you are driving in these circumstances and cover is limited to use within Ireland and the United Kingdom only.
If you’d like to know more or are interested in adding this benefit to your policy please give us a call on 028 9082 8828 and one of our customer service representatives will be delighted to help. Alternatively you can request to add this benefit yourself through your MyAllianz account.
*Please note that if you add this option to your policy before renewal a mid-term adjustment fee of £10 may need to be applied and also an additional premium applies for this cover.
Acceptance criteria, terms and conditions apply.
Information correct as at 19/04/2017. Calls may be recorded.