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Am I insured to drive other vehicles?

Car

Check your Certificate of Insurance to see if you are covered to drive other cars. If so, the policyholder will have third party only cover to drive other private motor cars that are temporarily borrowed, under the following conditions:

  • the other car is not owned by your spouse/partner/cohabitant or employer or hired to them under a hire- purchase or lease agreement;
  • you currently hold a full Irish, United Kingdom (UK) or European Union (EU) driving licence;
  • the use of the other car is covered in your certificate of insurance;
  • there is a current insurance policy in place in another person’s name that covers the other car;
  • you are not covered under any other policy to drive the other car;
  • you have the owner’s permission to drive the other car;
  • the other car is not more than 15 years old;
  • the other car is in a roadworthy condition and holds a valid NCT;
  • the vehicle is not being driven outside the territorial limits; and you still have the insured vehicle and it holds a valid NCT and is in a roadworthy condition

This extension applies while being driven within the territorial limits and only to private passenger cars.

It does not include:

  • vans;
  • car-vans;
  • crew cabs;
  • jeep-type vehicles with no seats in the back;
  • vans adapted to carry passengers; or any vehicles taxed commercially

For full details please refer to section seven of the policy booklet.

If you are in any doubt as to whether the benefit applies to your policy, please contact us here

Fleet

No – there is no Third Party Extension on a Fleet Policy with Liberty Insurance.

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