It might be an emergency or you may have permission from the car owner, but that doesn’t mean it’s legal. Unless you’re a ‘named driver’ on their car insurance, you almost certainly won’t be insured. And both the driver and car owner can run into trouble if caught without the necessary cover.
What are the rules for driving someone else’s car?
The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. Driving other cars cover is usually only available on a comprehensive car insurance policy, so if you have third party (or third party, fire & theft) cover, you won’t be covered to drive any other cars.
Can my friend drive my car with my permission?
There’s no limit to how many people can drive the car, so any friends or family, who have your permission, are legally insured to drive it. This type of car insurance is far less common, as most people only have one, or a few, named drivers added to their existing policy.
Can anyone drive an insured car in Australia?
Whatever your car insurance policy, all drivers (excluding learner drivers) who will drive your car repeatedly must be listed on the policy. If drivers are not listed when you make a claim, a higher excess may apply.
Can I drive someone else’s car with their permission? – Related Questions
What happens if someone else crashes my car Australia?
If your friend has crashed your vehicle but they were not at fault (i.e. another driver ran into your car while your friend was driving) then you will be able to make a claim directly against the other driver, or against the other driver’s insurance.
How does insurance work when you lend your car?
If you allow someone else to borrow your car, it’s still covered by your insurance policy. Insurers call this “permissive use.” This is true even when the driver carries their own insurance. However, both your insurance policy and the driver’s insurance may apply in the event of an accident.
Can I drive my daughters car on my insurance?
No. There was a time when many fully-comp policies automatically gave you third-party insurance to drive any car, but those days have gone. So even if you’re fully covered for your own car, don’t assume you’re insured to drive other people’s cars otherwise you risk breaking the law.
What happens if someone drives your car without insurance?
If there is no valid insurance in place for such use, the vehicle is liable to be seized and the driver prosecuted.
Do you have to be the registered owner of a vehicle to insure it Australia?
Can you insure a car that isn’t registered in your name in Australia? Yes, but only if you are the primary driver of the vehicle. For instance, you can get car insurance under your parents’ name if you are simply an additional driver.
Can I drive my dad’s car?
You must be properly insured if you drive on the public road, no matter how short the distance, even if your parents have given their permission for you to drive the car, and even if they have their own insurance policy covering the vehicle.
Can you drive someone else’s car without being a named driver?
If you drive someone else’s vehicle then you will not be covered by their (the main driver) motor insurance policy – you must become a named driver on their policy. As a named driver you will be given the same level of cover as the vehicle’s main driver.
Can I drive my parents car without my name on the insurance?
Most insurers cover someone else driving the policyholder’s car with their permission once in a while. But, if you’re going to start driving one of your parent’s cars regularly, you’ll need to be added or named on their auto insurance. You can’t legally drive your parents’ car without any insurance at all, either.
Can I teach driving to my wife?
You can practise driving with family or friends. Anyone you practise your driving with (without paying them) must: be over 21. be qualified to drive the type of vehicle you want to learn in, for example they must have a manual car licence if they’re supervising you in a manual car.
Can my boyfriend teach me drive?
Yes, if they’re happy to lend it to you, you can learn to drive in a friend’s car. Make sure that their car is roadworthy, taxed and – very importantly – that they’ve added you as a learner driver on their insurance.
What happens if a learner driver is caught driving alone?
Put simply, you’re breaking the law. It’s illegal to drive on a provisional licence without a qualified driver beside you. If you are caught, you’ll receive a fine and penalty points. For new drivers, that could mean an instant ban as soon as you’ve passed your test.
Do I need insurance to teach someone to drive?
To supervise a learner driver you must have the right insurance. Learner drivers who intend to practice in their own car must get their own learner insurance.
How long do you have to drive before you can teach someone?
Driving Licence of the Supervising Driver
The law also requires that the supervising driver has held their full driving licence for at least three years. This prevents someone who has only just passed their Test, and so not had time to gain sufficient driving experience, from supervising a learner.
Can my mum teach me drive?
Become a named driver on your parents’ policy
You can ask your mum or dad to add you as a named driver on their existing car insurance policy as this will allow you to drive their car. It’s important to know that adding you as a named driver could significantly increase the cost of your parents’ car insurance.
At what age can you teach someone to drive?
You can start teaching someone to drive provided: You’re at least 21 years old. You’ve held a full driving licence for at least 3 years. You’re qualified to drive the same type of car as the learner.
Why is driving so stressful?
“Driving is a high-pressure situation, especially when it’s new to you. It’s bound to trigger anxious reactions. You can feel out of your depth and nervous about potentially getting something wrong. After all, you’re suddenly in charge of manoeuvring something that weighs over a ton!