Money > Stories

Is your car insurance water tight?

Patrick Christys
Apr 1, 2019

You need to make sure that your car is correctly insured right now so you don't come a cropper.

In 2018, more than 1,500 cars across the UK were seized as a result of drivers wrongly assuming they had cover for driving cars that are owned by other people.

The ‘driving other cars’ (DOC) clause used to fairly common with fully comprehensive policies but it has been quietly phased out over the past few years.

This means people hop behind the wheel of someone else's car and think they're fully insured, only to be stung by the long arm of the law.

The Motor Insurance Bureau (MIB) has warned that motorists in Britain are wrongly assuming that they are covered by this clause, when in fact, it is unlikely that they are.

And research from temporary car insurance provider Tempcover has found that usurers have been removing DOC clauses because drivers were abusing them.

Some drivers were using the clause to swerve rising premiums.

So even if you're fully comp, if you have a new policy it's quite likely that the driving other cars clause won't be in it.


Motorists under the age of 25 are unlikely to be offered the clause at all and drivers that are offered it will be done so with several caveats.

It also gets more complicated as different insurers have varying levels of restrictions in place regarding the DOC clause.

There are also different clauses for different insurers - so M&S has 19 DOC restrictions whereas SwiftCover has 17. So don't assume it's a one size fits all policy.

TempCover also said that when it is included it will often be for ‘third-party only’ meaning ti can only be used in an emergency

You can be fined £300 and be handed six penalty points if you are caught without valid insurance.

Alan Inskip, CEO of Tempcover said: “Drivers should check the wording on their certificate of insurance carefully before driving a friend or family members car as they could very well be excluded from doing so.

“Wrongly assuming you’re covered could result in a hefty fine, points on your licence and even having the vehicle taken away and destroyed.”

Always shop around when it comes to car insurance to make sure you get the best deal.

Go to A Spokesman Said and find a great deal for you.

Here at A Spokesman Said we love fighting for your rights and believe fervently in natural justice.

But these battles cost us money. You could help us fund these fights by using our price comparison site, A Spokesman Said for your energy, car insurance and household bills.

We’re just the same as Go Compare or any other price comparison site, so you won’t be losing out in any way - by helping us, you will be helping yourself.

Thank you for your support.

When did you last switch your car insurance provider?

Last year 65% of customers didn't switch their car insurance to try and get a better deal.