Examkin

Question

Difficulty: MediumMotor Insurance Coverage and Legalities

You hold a comprehensive motor insurance policy on your own car and wish to drive a friend's car with their permission. What must you confirm before driving their vehicle on a public road?

  1. That your own policy specifically includes cover to drive other carsAnswer
  2. B
    That having a comprehensive policy automatically permits you to drive any car
  3. C
    That the car owner has a comprehensive policy, which automatically covers any driver
  4. D
    That your policy will fully cover any repair costs to your friend's vehicle

Answer

You must confirm that your own insurance policy specifically includes cover to drive other cars.
Under UK road traffic law, you must ensure you have valid insurance cover before driving any vehicle on a public road. Holding a comprehensive policy on your own car does not automatically allow you to drive someone else's car; your certificate of insurance must explicitly include a Driving Other Cars extension.

Step-by-Step Solution

1
Identify the statutory insurance requirement for driving in the UK
Every driver using a motor vehicle on a road or other public place must be covered by at least valid third-party insurance for that specific vehicle and use.
Driving or allowing someone to drive without valid insurance is a strict-liability statutory offence.
2
Evaluate standard comprehensive motor policy terms regarding driving other vehicles
Comprehensive cover on a personal vehicle does not automatically extend to driving third-party vehicles.
Driving other cars (DOC) is a specific policy extension that is often omitted, restricted by age, or offered only as third-party cover.
3
Determine the necessary verification step before driving
The driver must check their insurance certificate to ensure DOC cover is explicitly granted, or be added as a named driver to the vehicle owner's policy.
Without explicit coverage on one of the policies, the driver would be driving uninsured.

Key Concept

Driving Other Cars (DOC) Insurance Entitlement
Estimated Time:50s
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Topics

Motor Insurance Coverage and Legalities

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