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Driving Licences and Driving Other Cars Third Party

1st March 2012

Has your driving licence expired?

If you are aged under 70 the chances are that your licence has not expired as driving licences generally expire at 70 unless extended. However if you have a photo type driving licence the picture may have expired as these are only valid for 10 years.

If your photo has expired you could be fined up to £1000 by the DVLA. Whilst DVLA do send reminders when the licence is due to expire these sometimes get mislaid (in some instances people forget to tell the DVLA they have moved which can make you liable for a further fine!)

Renewing your licence costs around £17 currently and can be processed online at www.direct.gov.uk

Driving other cars Third Party cover

Always check your certificate of motor insurance to see whether you have the 'driving other cars third party' extension of cover to your policy. Contrary to popular belief not all Comprehensive motor policies include this cover!

This cover is generally excluded if the policyholder is aged under 25. Certain criteria also need to be met:

The car you wish to drive under this cover must not be owned by you ie must be registered in another persons name

Cover only applies to cars - not commercial vehicles. If you wanted to drive a van, seperate cover would need to be sought.

The car you are borrowing must have insurance in place somewhere. If you drive a car without insurance assuming the driving other cars extension will cover you and you are stopped by the police, you can recevie a fine and points on your licence. This will cost you dearly in the future.

Dont forget that if you drive a car under the driving other cars third party extension, you are only insured for third party damage/injury. Any damage to the car you are driving is not covered.

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