Car Security Security features fitted as standard equipment by motor manufacturers can help to reduce insurance claims costs. The group ratings determined by the Association of British Insurers are recommendations only. Individual insurance companies, depending on their own experience, may vary from these recommendations. Buying a Car Motorists planning to buy a new car should check, in motoring magazines, the insurance group rating of the exact model they have in mind. The higher the group number the more will be the premium.
Most policies cover the policyholder in person while driving a car which belongs to someone else.
However, cover will be limited to third party only, even if you have a comprehensive policy. Accidental damage to the borrowed car will not be covered by your insurance. Make sure you have the car owner's permission to drive it and that they have arranged comprehensive insurance to cover you as a driver under their policy. If they have done this, then accidental damage claims to their car, while you are driving, will be met by their policy. Similarly, before letting someone else drive your car make sure your policy does not have a restriction on who may drive it.