Comprehensive car insurance policies sometimes include Driving Other Cars (DOC) cover, which insures you to drive someone else’s car in an emergency, as long as you have their permission.
Always check the small print in your policy to see if it includes DOC cover, and what level of cover it gives. If you’re still unsure then contact your insurer who will be able to provide the answer.
It’s also worth checking if there are any restrictions that could apply to you, for example many policies will only offer DOC cover to drivers aged 25 and over.