Millions of British motorists could be driving without insurance – or cover much lower than they think – because they mistakenly believe that a fully comprehensive car insurance policy gives them more protection than it really does.
More than 35% of drivers surveyed by Churchill Car Insurance said that they believed a fully comprehensive car insurance policy gave them cover to drive any vehicle with the same level of cover. This myth is perpetuated even more widely in the 18-34 age group, where nearly half of drivers thought this was the case.
In reality, almost no insurers offer this ‘open’ cover for driving other cars (DOC), which means anyone driving their friends’ or relatives’ cars on this basis are potentially driving illegally as they may not have any insurance in place. Perhaps surprisingly, two in five motorists have never checked whether there are any exclusions which prevent them from driving someone else’s car, so could be driving without insurance for thousands of miles without realising.
Rob Miles, director of Motor at Churchill Insurance, said: “Fully comprehensive insurance does not cover every driver in every situation and it’s worrying to see that so few motorists understand this. Drivers have a duty of care to passengers, fellow road users and pedestrians to ensure they have appropriate insurance cover in place when they get behind the wheel. Uninsured motorists drive up the cost of insurance premiums for all other drivers and ignorance is no excuse. We’d therefore urge all motorists to check their policies before using someone else’s car.”