Am I covered to drive someone else’s car?

If you're a Prima policyholder (not an additional driver), you're covered to drive another car, so long as:

• It’s not owned by you or your partner
• You’ve not hired it or got it under any other financial agreement
• You have permission from the owner
• You were aged 25 or over at the start of your current policy period
• Your certificate of motor insurance says you can drive other cars
• You still have legal use of your own car

This is known as driving other cars (DOC) cover. 

You'll only have third party cover

DOC cover is third party only. This means that, if you're involved in an accident that’s your fault, you're only covered for damages to the other person (the third party) and their car or property. You're not covered for damages to yourself or the car that you’re driving. 

If you use another car regularly, you'll still need to take out cover

DOC cover is only supposed to be used in exceptional circumstances or emergencies. For instance, if your friend is unwell and you need to drive their car to a hospital or safe place. If you intend to drive another car regularly, you shouldn’t rely on DOC cover.