‏‏ Why Your Full Comp Auto Insurance Covers Less Than You Think - Mobilyardim

Why Your Full Comp Auto Insurance Covers Less Than You Think

Millions of drivers risk getting caught with a misconception about how far coverage extends

Millions of drivers can consciously or unknowingly break the law by driving other people’s cars without proper insurance.

Research from a leading insurance comparison service found that there was a lot of confusion about “driving other cars” (DoC) coverage on standard insurance policies, with many motorists mistakenly assuming that their comprehensive policy automatically covered them.

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According to a survey by Confused.com, one in eight drivers mistakenly believe that comprehensive insurance automatically covers driving other vehicles, and one in seven do not know the basic requirements for obtaining DoC coverage.

Driving without insurance, even if you think you are covered, is subject to a fine of £300 and in some cases the police may impound the vehicle in question.

Historically, DoC coverage has generally been included as standard with fully comprehensive policies, but in more recent times many insurers have either removed it entirely or imposed stricter restrictions on who they offer it.

According to Confused, drivers are generally only eligible for DoC coverage if they are over 25 and have fully comprehensive insurance and the other car they drive is already insured. Even then, not all policies will include cover and in most cases cover will not extend to vans or other commercial vehicles.

Alex Kindred, auto insurance expert at Confused.com, said, “Insurers appreciate that there are some emergencies where you may need to jump behind the wheel of a car you don’t own. We have a comprehensive policy. But if you’re over 25 or a If you have an extended policy, you are not automatically entitled to this, it must be stated in your policy, otherwise you risk the fine.

“Driving without insurance is a violation that can result in hefty fines, but also damage your reputation when it comes to applying for new car insurance. Not only that, you also run the risk of having to pay to have your car released, which, even considering the fine, could end up costing you more than insurance itself.”

It’s also worth noting that DoC coverage only covers third-party damage, so you pay for repairs you cause to other vehicles, but not the ones you drive.

Research from Confused.com also found a sharp rise in the number of drivers caught without insurance in the past year. In 2020, more than 100,000 motorists were caught driving without insurance, an increase of 16 percent from the previous year. And in the past two years, police have crushed 56,000 uninsured cars after owners failed to reclaim them.

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