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Borrowing a friend's car for a day: what to check first
A plain guide to insurance when you borrow a car in the UK for a single day — what the law requires and the questions to ask before you drive.
The legal starting point
In the UK you must hold at least third-party insurance to drive on a public road. That applies to you as the driver, not only to the car.
Being added to the owner's policy, or holding your own short-term policy, are the two common ways to be covered.
Don't assume your own policy covers you
Some annual policies include 'driving other cars' cover, but many no longer do, and where it exists it is often third-party only. Check your certificate of insurance rather than relying on memory.
| Option | Who arranges it | Worth checking |
|---|---|---|
| Added as named driver | Car owner | May affect the owner's no-claims if you claim |
| Driving other cars extension | Your own insurer | Often third-party only; not always included |
| Short-term policy | You | Start and end time, excess, eligibility rules |
Questions
Can I drive a borrowed car if the owner's policy is 'any driver'?
Possibly, but 'any driver' policies usually have age and licence conditions. Ask the owner to check the wording.
What happens if I drive without cover?
Driving uninsured can lead to a fixed penalty, penalty points and the vehicle being seized. Serious cases go to court.
General information only, not advice. Check current rules on GOV.UK and your policy wording.