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    • Thread Starter
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    I have my own car and I'm fully comp insured and so is he. Am I legally allowed to drive it? I'm 22.
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    (Original post by 581371)
    I have my own car and I'm fully comp insured and so is he. Am I legally allowed to drive it? I'm 22.
    You would need to check the terms of your own insurance policy, but most will not insure drivers for other cars under the age of 25 or so.
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    (Original post by 581371)
    I have my own car and I'm fully comp insured and so is he. Am I legally allowed to drive it? I'm 22.
    Every insurance policy is different.

    You will need to check both of your insurance policies or confirm this with either your own or your brothers insurance provider.

    Comprehensive simply means you can claim against your own policy if your own car is damaged.

    Some policies may allow you to drive another vehicle with the owners consent, if this is permitted, then you will most likely only be covered under third-party terms and conditions.

    Do not assume anything.

    https://www.confused.com/motor-insur...-car-insurance
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    (Original post by 581371)
    I have my own car and I'm fully comp insured and so is he. Am I legally allowed to drive it? I'm 22.
    Short answer, probably not.

    Long answer:

    Check the certificate of motor insurance your insurer gave you for your car - it'll tell you whether you are entitled to drive other cars third party.

    As above, you usually need to be 25 to have this entitlement.
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    (Original post by 581371)
    I have my own car and I'm fully comp insured and so is he. Am I legally allowed to drive it? I'm 22.
    I saw a newspaper article a little while back that warned that while it used to be fairly standard for comprehensive policies to provide cover for driving other people's cars, it's now much less likely to be the case.

    Part of that is probably trying to keep premiums down -- another case of "you get what you pay for".
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    You would need to be a named driver on his insurance, or have insurance yourself that allows you to drive any vehicle. I would suggest you do the first and it makes it easier, NB it may put the cost of your brothers insurance up.
 
 
 
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