{"id":701,"date":"2025-05-16T11:54:53","date_gmt":"2025-05-16T10:54:53","guid":{"rendered":"https:\/\/www.sterling-insurance.co.uk/blog\/?p=701"},"modified":"2026-01-21T12:24:07","modified_gmt":"2026-01-21T12:24:07","slug":"insuring-a-borrowed-car","status":"publish","type":"post","link":"https:\/\/www.sterling-insurance.co.uk/blog\/short-term\/insuring-a-borrowed-car\/","title":{"rendered":"Everything you need to know about insuring a borrowed car"},"content":{"rendered":"\n<p>We all know that having appropriate car insurance is a key part of getting yourself onto the road, but what happens when you\u2019re trying to insure a vehicle that you\u2019ve borrowed from someone else?<\/p>\n\n\n\n<p>Whether you\u2019re using your parents\u2019 car while you <a href=\"https:\/\/www.sterling-insurance.co.uk\/blog\/learner\/new-driver-best-buys\/\">save for your own<\/a>, or loaning from a friend just for the day, this guide will help you figure out how to be properly insured.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-you-drive-someone-else-s-car-uninsured\">What happens if you drive someone else\u2019s car uninsured?<\/h2>\n\n\n\n<p>It can be tempting to just borrow a friend\u2019s ride quickly or pop to the shops in your mum\u2019s car while you\u2019re visiting, but this could have consequences. It\u2019s actually against the law.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re caught <a href=\"https:\/\/www.gov.uk\/vehicle-insurance\/driving-without-insurance\">driving uninsured<\/a>, you could face a \u00a3300 fixed penalty, six points on your licence, and in more serious cases, you could even end up in court. Always make sure you have the correct insurance before getting behind the wheel\u2014it\u2019s not just common sense, it\u2019s a legal requirement.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.sterling-insurance.co.uk/blog\/wp-content\/uploads\/2025\/05\/pexels-kampus-8815916-1-1024x684.jpg\" alt=\"Close-up of two men, one handing over cars to another. Woman watching in the background.\" class=\"wp-image-704\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What to do before driving a borrowed car&nbsp;<\/h2>\n\n\n\n<p>Make sure you complete this checklist before you get behind the wheel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Get permission&nbsp;<\/h3>\n\n\n\n<p>Of course, if you\u2019re using someone\u2019s vehicle, you will have to ask them if you can. It may be worth even having written permission from the car\u2019s owner just in case.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Check the car&nbsp;&nbsp;<\/h3>\n\n\n\n<p>This isn\u2019t just about suitability, it&#8217;s about safety. You\u2019ll want to make sure everything is in working order, including the brakes, lights and indicators. If any of these aren\u2019t working, it&#8217;s actually illegal, so you wouldn\u2019t want to be the one caught in a vehicle where they\u2019re not working. We also recommend you take a look at the tire tread depth and pressure.<\/p>\n\n\n\n<p>Ask the owner if the car has a valid <a href=\"https:\/\/www.gov.uk\/check-mot-history\">MOT<\/a> to fully ensure safety before driving.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ensure eligibility&nbsp;<\/h3>\n\n\n\n<p>Even with permission, you might not be eligible to drive that specific vehicle. It&#8217;s a given that with any car, if you don\u2019t have a valid driver\u2019s licence, you won\u2019t be able to drive it. If you are borrowing a specific vehicle like an HGV, you\u2019ll need a specific licence to drive that too.<\/p>\n\n\n\n<p>Your licence has codes on the back that indicate whether you can or cannot drive certain vehicles so make sure you check those to see what you\u2019re eligible for. If in doubt, contact the DVLA and don\u2019t assume.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.sterling-insurance.co.uk/blog\/wp-content\/uploads\/2025\/05\/pexels-dom-j-7304-45113-1-1024x647.jpg\" alt=\"Close-up of UK driving licence on a white background\" class=\"wp-image-703\"\/><\/figure>\n\n\n\n<p>To be eligible to drive any vehicle, you\u2019ll also need to be correctly insured, so make sure you check what your insurance offers, as every policy will have different restrictions. Cover can be found on your certificate and specifies exactly what you can and can&#8217;t drive.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What insurance do you need when borrowing a car?<\/h2>\n\n\n\n<p>If you\u2019re borrowing a car, <a href=\"https:\/\/www.sterling-insurance.co.uk\/blog\/short-term\/short-term-insurance-prevent-fine\/\">short-term insurance<\/a> is the easiest way to make sure you\u2019re covered. You\u2019ll get similar protections and benefits with it, but for temporary periods, which can typically be anything between just an hour up to 28 days (but some policies will allow a couple of months of short-term coverage). <a href=\"https:\/\/www.sterling-insurance.co.uk\/blog\/short-term\/eight-unexpected-ways-you-can-use-short-term-insurance\/\">Short-term policies are usually flexible<\/a>, so they\u2019ll give you a lot more freedom.&nbsp;&nbsp;<\/p>\n\n\n\n<p>You can be put down as a named driver on the owner\u2019s regular <a href=\"https:\/\/www.sterling-insurance.co.uk\/car-insurance\/\">car insurance<\/a> policy, but unless you\u2019re sharing the vehicle for a long period of time, this isn\u2019t really worth it. However, this may be ideal if you\u2019ve had a partner borrowing your car occasionally, but they\u2019ve now moved in with you and have more regular access to your vehicle.&nbsp;<\/p>\n\n\n\n<p>For drivers-to-be, there\u2019s <a href=\"https:\/\/www.sterling-insurance.co.uk\/learner-driver-insurance\/\">learner insurance<\/a>. These policies can temporarily cover you on the vehicle you\u2019re learning in before you take your driving test.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"699\" src=\"https:\/\/www.sterling-insurance.co.uk/blog\/wp-content\/uploads\/2025\/05\/christian-velitchkov-oCD1HUJmFIM-unsplash-1024x699.webp\" alt=\"Man sat, thinking, while looking at laptop\" class=\"wp-image-705\" srcset=\"https:\/\/www.sterling-insurance.co.uk/blog\/wp-content\/uploads\/2025\/05\/christian-velitchkov-oCD1HUJmFIM-unsplash-1024x699.webp 1024w, https:\/\/www.sterling-insurance.co.uk/blog\/wp-content\/uploads\/2025\/05\/christian-velitchkov-oCD1HUJmFIM-unsplash-300x205.webp 300w, https:\/\/www.sterling-insurance.co.uk/blog\/wp-content\/uploads\/2025\/05\/christian-velitchkov-oCD1HUJmFIM-unsplash-768x524.webp 768w, https:\/\/www.sterling-insurance.co.uk/blog\/wp-content\/uploads\/2025\/05\/christian-velitchkov-oCD1HUJmFIM-unsplash-1536x1048.webp 1536w, https:\/\/www.sterling-insurance.co.uk/blog\/wp-content\/uploads\/2025\/05\/christian-velitchkov-oCD1HUJmFIM-unsplash-scaled.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-your-existing-insurance-cover-driving-someone-else-s-car\">Does your existing insurance cover driving someone else\u2019s car?<\/h2>\n\n\n\n<p>It\u2019s worth checking if your existing policy has DOC (Driving Other Cars) cover. Though less common these days, some comprehensive policies will cover you behind the wheel of a friend or family member\u2019s car in emergencies or temporary situations. This will be at the third-party level, not fully comprehensive, even if your policy is. This benefit doesn\u2019t cover cars you own yourself.&nbsp;<\/p>\n\n\n\n<p>Because of this, if you\u2019re involved in an accident, you\u2019d be responsible for paying for any damage to the car you borrowed. The worst-case scenario? Borrowing a friend\u2019s car and then getting stuck with a <a href=\"https:\/\/www.sterling-insurance.co.uk\/blog\/car\/reduce-car-insurance-costs\/\">repair bill that your insurance won\u2019t cover.<\/a> So, we recommend always double-checking your policy document.<\/p>\n\n\n\n<p>You\u2019ll need to note that this isn\u2019t the right option for you when regularly borrowing a vehicle. Be especially careful if you\u2019re using a company car, because you\u2019ll need permission from the owner of the car, and you may not know who this is. Be sure to check your documents as this benefit may also not cover any cars belonging to people living in the same house as you. If in doubt, ask your insurance company before driving.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Short-term insurance with Sterling&nbsp;<\/h2>\n\n\n\n<p>If you\u2019re looking for temporary insurance that works for your circumstances, Sterling is here to help. We offer convenient <a href=\"https:\/\/www.sterling-insurance.co.uk\/short-term-car-insurance\/\">short-term insurance<\/a> that can cover cars or vans for up to a few months.&nbsp;&nbsp;<br>Get a quote by calling us on 0344 381 9990 or <a href=\"https:\/\/www.sterling-insurance.co.uk\/callback\/\">request a callback<\/a> at a time that suits you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whoever you\u2019re borrowing a car from, this guide will help you figure out how to be properly insured. <\/p>\n","protected":false},"author":19,"featured_media":902,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[58],"tags":[17],"class_list":["post-701","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-short-term","tag-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Everything you need to know about insuring a borrowed car | Sterling Insurance Blog<\/title>\n<meta name=\"description\" content=\"Planning on borrowing a car? 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