A simples guide

Am I protected if a family member has an accident on my policy?

Whether anyone, a family member or not, is covered depends whether they are insured to drive your car. 


How can another driver be covered?

There are two ways that another driver can be covered:

1) They are named drivers on your annual car insurance policy. When you take out your car insurance there is an option to add other named drivers. You will need to have their personal details to add them, and you must also tell the insurer of any accidents or motoring convictions they have had.

2) Temporary insurance cover has been obtained.  Temporary cover can be taken out to add an additional driver for just a short, agreed period of time, say for example if you’re lending your car to someone else.

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Check with your insurer

You may have heard that if you have fully comprehensive insurance, you’re automatically covered to drive any vehicle on a third party basis. This isn’t necessarily the case and you may find that your car is not insured in the event of a claim.

As with any insurance policy, it is important to clarify with your insurer when you are and aren’t covered. If in doubt, call your insurance provider and ask.

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