If you’re a car owner, it’s likely you enjoy the freedom that comes with being able to drive yourself and others around. However, being the designated driver is sometimes inconvenient. Whether you’re about to embark on a long journey, someone wants to borrow your car or you simply don’t fancy being in the front seat, you might find that opting for open driving cover makes life easier for you. For more information on this particular type of protection, keep reading.
Open driving cover allows any person with a full and valid licence to drive your car with your permission. In most cases, the other driver needs to be aged between 25 and 70. This type of protection is offered by most car insurance companies and it can usually be added onto your existing policy for an extra fee – this tends to be equivalent to 10 per cent of the cost of your current plan.
If you’re interested in open driving cover, you could start by simply getting yourself a car insurance quote. Once you’ve got an estimate, you’ll be in a good position to request more details about this from your insurance company.
The important details
Car insurance is a legal requirement. However, it’s important to note that open driving cover is not compulsory and it is not available as standard when you take out a motor insurance plan. It’s crucial that you’re aware of what you and other people are covered for. For example, while you may have taken out a high level of protection, such as a comprehensive car insurance policy, it’s essential to note that this does not necessarily permit other people to drive your vehicle, even with your authorisation.
One benefit of having open driving cover is that you don’t need to worry about adding named drivers to your insurance plan. Having this protection ensures that your car is available for others to use, even if it’s only on a temporary basis, meaning that you don’t need to contact your provider each time. Also, those who use your car under the open driving insurance policy will be able to take advantage of the same level of cover that you would. In contrast, if people drive your car under the terms of their own policy, this will probably be on a third party basis. This means that if they cause an accident while using your car, then the insurance may not cover the damage to your vehicle. Open driving cover avoids situations like this and can provide you with greater peace of mind.
When it comes to car insurance, it’s important to always read the small print and never assume others are allowed to drive your car unless you have purchased the appropriate extras.