Have you ever needed to use somebody else’s car only to realise that you’re not insured as a named driver on their policy? One of the most common questions we hear at Allianz in relation to car insurance is whether or not you’re covered to drive other people’s cars under your policy. We’re always happy to reply that the answer is yes, so long as you’re over 25 and that you’ve chosen Driving Other Cars as an optional extra.
This option will allow you to drive another private under the following conditions:
1. The car must not belong to you, your spouse/partner or your employer.
2. The car must not be hired or leased to you or your employer under a hire purchase, rental or leasing agreement.
3. The car must not be the property of, or in the custody or control of a motor trade business of which you are a director, member or employee.
4. The car must be a private passenger vehicle. This policy does not insure you to drive:
- vans or car-vans
- commercial vehicles such as vans or jeeps with no seats in the back
- vans adapted to carry passengers except in the case of vehicles professionally modified for drivers or passengers with a disability
- cars registered outside the Republic of Ireland
- cars with more than nine seats (including the driver).
5. The car must have a valid NCT certificate and comply with road traffic legislation.
6. You must have the owner’s permission to drive the car and you must not use or have used it for more than 30 days.
7.Your car must not have been sold or disposed of.
8. Your car must not have been declared a vehicle write-off.
9. The other car you are driving must be insured under another policy of insurance.
If you fail to follow and comply with the provisions 1 to 9 listed previously, we may:
- recover from you the total amount of any claim we have already paid you under the policy. This includes any costs we incur to get this payment from you and/or;
- remove Endorsement 4 from your policy and/or;
- cancel your policy and/or;
- not return any premium due to you if we have made a payment under a claim and/or;
- apply a premium loading or recalculate your premium which means that an additional premium will be due to us.
It applies only to the policyholder and is restricted to Third Party cover only. So, in the event of a claim when driving another private car which isn’t listed on your policy, only the damage incurred by the third party will be covered.
Read more on insurance cover types here.
It should also be noted that Fire, Theft or Accidental Damage covers do not apply while you are driving in these circumstances and cover is limited to use within the Republic of Ireland only.
If you’d like to know more or are interested in adding this benefit to your policy please give us a call on 01 448 48 48 and one of our customer service representatives will be delighted to help. Alternatively you can request to add this benefit yourself through your MyAllianz account. Please note that an additional premium will be added to your policy and that a mid-term adjustment fee of €20 may also apply.
For policies renewed or taken out before 01/07/2025, please information on driving other cars cover in your applicable policy document here: Motor Policy Document.
Acceptance criteria, terms and conditions apply.
*Calls may be recorded.