Car insurance policies can even be invalidated if road users have allowed a friend or family member to drive a vehicle. While motorists who have the “Driving Other Vehicle’ (DOC) extension on a policy could get behind the wheel of the car, road users may still not be covered for any collisions that may occur on the journey.
This is because the friend or relative may not be the vehicle’s named driver and therefore may not be covered on the terms of the insurance policy.
In the event of an accident, insurers are likely to only pay out on claims made in a collision involving a named driver.
Claiming on a collision caused by someone who wasn’t named on a policy is risky and insurers may refuse to pay out on the claim altogether.
The owner of a vehicle could even be fined a fixed penalty of £300 and hit with six points on a driving licence.
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Following checks saw more than 1,500 vehicles seized by officers in a massive clampdown on car insurance evaders.
Motorists were previously covered to drive other vehicles as long as they had fully comprehensive cover. However, road users must now state they want DOC cover on a policy.
The extension is less likely to be made available to motorists under the age of 25 and even then a policy may come with strict clauses.
In a statement, Neil Drane, Head of Enforcement Services at MIB revealed offenders could see their vehicle being seized and owners being hit with fines.
He added: “We want all drivers to think before just jumping in another vehicle. Are you actually insured to drive it?
“People should also remember that if you re involved in an accident and you are uninsured, you remain liable for any costs so it really isn’t with the risk.”
Swinton car insurance says owners must contact their insurance provider to add another person as a named driver on a policy.
They say this can often be done temporarily and means the driver would get the same level of cover as the lead insurance holder.
Short term insurance can be taken out to cover a period from just one day to one month and covers extra people using a vehicle they do not usually own or use themselves.
In a bonus, motorists who may need to claim on these policies will not usually have any effect on their no claims bonus on their main policy.
However, short term policies do come with added restrictions and motorists must usually have held a driving licence for at least one year to claim it.
A named driver can only be someone who uses the vehicle occasionally and not the person who uses the vehicle the most.
Parents are often caught out for this by taking out an insurance policy and adding their children as a named driver in a bid to reduce premiums.
Research from GoComapre found 10 percent of parents admit to lying ob their child’s car insurance policy to reduce costs as a further 34 present revealed they would consider doing so.