Am I Insured To Drive Other Cars Hastings Direct
Am I Insured To Drive Other Cars With Hastings Direct?
Driving other cars (DOC) is a great way to get around if your car is off the road or if you need to borrow a car. But if you’re using someone else’s car, you’ll need to make sure you’re insured. Here’s what you need to know about DOC cover with Hastings Direct.
What is driving other cars insurance cover?
Driving other cars (DOC) cover is an optional extra on some car insurance policies. It gives you the short-term ability to drive someone else’s car with third party insurance for a specified period of time. DOC cover can be helpful if you need to borrow a car or if your car is off the road. But it’s important to remember that DOC cover is not a replacement for car insurance.
Who is driving other cars cover available to?
DOC cover is normally available to the policyholder and any named drivers on the policy who have a full UK driving licence. It’s not available to learner drivers, drivers under the age of 25, drivers with an expired driving license, or drivers who are disqualified from driving. It’s also not available to drivers who are not named on the policy. The level of DOC cover you have depends on the type of car insurance policy you have, so it’s important to check the terms and conditions of your policy.
What type of cars can I drive with DOC cover?
The type of cars you can drive with DOC cover depends on the type of policy you have. Generally, you can only drive cars owned by you or your spouse, or a car owned by a close relative or business partner. You also can’t use DOC cover to drive a commercial vehicle, or a vehicle specifically excluded from your policy. It’s important to check the terms and conditions of your policy to make sure you’re not breaking the law. Remember, if you’re using someone else’s car, you must have their permission.
What does DOC cover include?
DOC cover typically provides third party cover only. This means you are insured against damage you may cause to other people’s cars or property, but not against damage to the car you are driving. It’s important to remember that DOC cover does not cover you for any damage to the car you are driving, or any medical expenses you may incur as a result of an accident. It’s also important to note that DOC cover does not provide any cover for theft or vandalism of the car you are driving.
What are the limits of DOC cover?
The limits of DOC cover vary depending on the type of policy you have. Generally, the cover is limited to a specific period of time, usually no more than 28 days. It’s also important to note that you cannot use DOC cover if you are using the car for commercial purposes, or if you are using the car for racing or any other illegal activity. If you are in any doubt, it’s important to check the terms and conditions of your policy before you begin driving.
Conclusion
Driving other cars (DOC) cover is an optional extra on some car insurance policies. It gives you the short-term ability to drive someone else’s car with third party insurance for a specified period of time. But it’s important to remember that DOC cover is not a replacement for car insurance, and it does not provide any cover for theft or vandalism of the car you are driving. The limits of DOC cover vary depending on the type of policy you have, so it’s important to check the terms and conditions of your policy before you begin driving.
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