If Third Party Driving of Other Cars is active on your policy, we will provide third party cover for you to drive someone else’s car on the island of Ireland, provided you have their permission and it is not a hire vehicle or in your custody for business reasons. To qualify for this cover you must be aged between 25 and 71 and have a full licence. Section 5 of Your Certificate of Insurance will tell you if you have Third Party Driving of Other Cars under your policy.
You don't need to contact us before driving someone's car under this cover, but you need to be aware of the following conditions.
So long as you are not entitled to cover under any other policy, the cover provided under Section 1. Third party insurance cover will also cover you (but excluding any other insured driver), while you are driving a private car other than the insured car, on the island of Ireland, provided:
1. the other car does not belong to you and minimum insurance for the car complying with the Road Traffic Acts is operative in another person’s name under a separate insurance policy,
2. it is not in your custody or control by reason of your employment or business,
3. it is not a hire or rental car,
4. it is not hired to you under a hire purchase agreement,
5. it is maintained in a roadworthy condition in line with general condition 2 in this policy booklet, and
6. you continue to observe the terms, exclusions, conditions and endorsements of your policy in so far as they can apply.
This extension applies to private cars built for the purpose of carrying passengers, which are taxed for private use, which can be driven with a category B driving licence, and which are driven with the owner’s permission only.
We will not provide any cover under this extension for any vehicle that is not a private car, including but not limited to:
- any van,
- any car-van,
- any jeep with no seats in the back, or
- any van adapted to carry passengers.
Comprehensive Driving of Other Cars
Customers that have Third Party Driving of Other Cars active on their policy and have earned earned 5 or more years NCD in their own name will be eligble to purchase the Comprehensive Driving of Other Cars Optional Extra. Please refer to the Comprehensive Driving of Other Cars Optional Extra FAQ for more information.