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Let's refine the question a bit: if you are an "insured driver", by that term I mean someone who is named in an auto insurance policy as insured. Under that condition, you are insured even if the vehicle you are driving is not covered by a policy.

An exception (we lawyers love exceptions) is if the vehicle is "regularly available for your use." Let's say I have two cars for my spouse and I, but also my old bachlor car that I just want to keep around as something to use if we have a breakdown in one of the other cars.

I cannot fail to list that car with my insurer, and then drive it (even if only once a year--since it was "regularly available" for my use) and expect my policy to cover me. Ain't gonna happen. Same thing for any car that you can drive and in fact do use occassionally.

On the other hand, if I went over to my friend's house in Eastern Washington and he asked me to go fetch (that is farming country, son) something from the store, using his uninsured car, I would be covered by my insurance policy for liability, personal injury protection, underinsured motorist coverage, etc.

  • In the UK - it would depend on what type of motor insurance you have. If the policy is comprehensive car insurance - typically you will find that you are insured to drive another car so long as that car has a valid MOT. This is the general rule - but you should check the small print on your motor policy to see what it includes and call your motor insurer to check if you are covered. See the link entitled "accident car insurance" for a description of the different types of car insurance in the UK.
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Q: If you are an insured driver and you drive someone elses car that is not insured are you legally insured while driving that car?
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Related questions

Is a insured driver covered while driving someone else's Insured car?

Depends on what state you're in.


What if a driver does not have a license and is driving a car registered and insured by someone else?

the driver will get caught go to jail and pay a fine


Is an uninsured unlicensed driver that is driving an insured car covered if he gets in an accident?

The majority of the time no because it is an insured's policyholder's duty not to let unlicensed people driver their car because they cannot legally drive.


What happens when an uninsured driver driving an insured car got hit by an insured driver?

P.S. The insured driver is found at-fault with witnesses. The uninsured driver is worried if his license will be suspended or facing any penalty for driving the his parent's INSURED car.


When a driver has no driver's license or insurance but driving a car that is insured and someone hits them who is responsible?

It's going to be very difficult to claim that it's not the fault of the person who was breaking the law by driving illegally.


Texas uninsured driver driving insured vehicle?

Is driving without insurance


Does a driver have to have car insurance if the car they are driving is already insured?

No.


Is the car insured or is the driver insured My sister has a license and is driving my insured car but her name is not on my policy. Can she legally drive my car if I give her permission?

no she has to be on your policy , or if you are full comperhensive and she hold an insureance policy . then you can give her permisson to drive your car under 3rd party only


Can a licensed teenage driver legally drive his parent's insured car in New York without being insured himself?

no


Will your insurance cover an accident if someone else was driving your car with a revoked license?

Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.


What if an uninsured unlicensed driver is driving an insured drivers car causes an accident with bodily injury?

The injury would most likely not be covered under your auto because you let an unlicensed driver drive your vehicle when they cannot legally drive.


Who is liable if someone else is driving your car with your consent and you had no insurance on the car?

They'll go after the car's owner first. IF the driver has an insured vehicle, it would be secondary.