If a friend of mine owns a car but has no insurance on it but lets me drive it am I insured under my insurance

Question

If a friend of mine owns a car but has no insurance on it but lets me drive it am I insured under my insurance

Answer 1

It depends on your own policy, many will cover you but it will be for third party only.

read your policy/ask the provider.

Answer 2

Check your policy you may well be covered by it, otherwise it's illegal & it would be you who gets the fine & points on your liecence,(not worth it )

Answer 3

you need to have full coverage, if you have full coverage you are insured on any vehicle, liability is only for you and your car.

Answer 4

No, you can buy insurance for any car and the car can be insured for any driver. If you friend owns the car and it is driven or kept on the road without insurance it's illegal.

Answer 5

In Britain , if the car is not insured, how can it be taxed?. So be careful there. I understand that a car needs to be insured by someone to be legal on the road, unless covered by a Garage Policy with Trade Plates.

APNR cameras are watching out every where for these. Of course you may live in the land of the free

Answer 6

nope. the car is registered in his name. If you get in an accident, being that he is not covered, he will get fined. You may get fined as well for not having all the documents on the vehicle upon request by the State Trooper of Hwy patrol officer. In other words, don't drive it anymore.

Answer 7

Most UK motor insurance policies have an extension giving 3rd party cover 'to any vehicle, driven with the consent of the owner but not the subject of a hire agreement'. If you are referring to such a clause, then you are covered to drive your friends car. The mere fact, however that you have insurance for your vehicle without such extension does NOT cover you. Also, not the cover is 3rd party only. In other words, should you damage your friend's car, you would not be insured for that.

Answer 8

KNOW==KNOW==KNOW.

Answer 9

depends on your policy

Answer 10

If your friend isn't insured, you won't be covered.  You would need to be a named person on his insurance policy, but since he doesn't have one, you won't be covered, even if you are fully comp.

Answer 11

Check with your state insurance dept. The rule of thumb is the insurance follows the car not the driver. Also your friend as the owner of the car will be liable if you hit someone else. Your insurance MIGHT exclude your friend if you get sued.

The owner of the car is responsible to insure the vehicle and list all the drivers on the policy. you need to check with yoru insurance agent and the state regulations in your state

Answer 12

no it has to be insured by the owner, unless your policy is a traders policy

Answer 13

Check your policy.  Your policy may be considered excess primary over any other liability coverage.  Your liability coverage MAY be triggered if the vehicle you are driving did not have any insurance or if it was under-insured.  Excess primary coverage generally applies to Liability claims only.

My MA policy reads:  "If someone covered under this Part(liability) is using an auto he or she does not own at the time of the accident, the owner’s auto insurance must pay its limits before we pay. Then, we will pay for any damages not paid by that insurance up to the policy limits shown on your Coverage Selection Page".  

You should ask your agent.

Answer 14

usually, yes if you have her permission.

Answer 15

Possibly, if you are in the Uk. It will not if your policy is only 3rd party; it will need to be comprehensive and the policy will say that you can drive another vehicle with the owner's permission. Your friend should check the policy anyway because the law requires her to have sight of it to satisfy herself you are covered before she gives you permission, or she can be guilty of permitting the use of a motor vehicle without insurance. If in doubt, ring your broker/insurance co. Hope that helps.

Answer 16

My friend, BE VERY CAREFUL. A lot of the answers on here are dangerously wrong. If you have fully comprehensive insurance of your own, it MAY allow you to drive someone elses's vehicle but only if:

1] It's already insured

2] You have the owner's consent

3] In an emergency only

4] It will only provide you with third party cover

Read your own insurance documents very carefully and if you have any doubts ring your insurance company.  If you're caught driving it without making sure cover is in force, not only are you in serious trouble but so is the owner.

Answer 17

If your insurance is third party you are not but if you are fully comp.you will only be insured 3rd party on this car.

I don'y understand how he has taxed the car without insurance. If he has not you are commiting an offence

Answer 18

yes you are.

Answer 19

no,i very much doubt it...