What Car? Q&A - Am I covered on other cars?

Q: I have a mate who keeps on telling me that if he has comprehensive insurance on one car, he automatically gets third party insurance on any other car he drives. Is this true?
Phong Tu, by email

A: This could be true, but it depends on whether his individual policy includes a 'drive other cars' benefit.

He will certainly need the permission of the owner and the registered keeper, and any accidental damage to the car won't be covered.

Insurers are tightening up on this aspect of comprehensive insurance, so he may also find that this is only permitted in an emergency.