Fully Comp. Rules

[sarahjf1234]

Can someone please help with the following? My car's MOT has expired, and I am insured fully comp. As my MOT has expired, am I still insured to drive another person's car, if they are insured Fully Comp also?

[factor-fiction]

I don't think the status of your car's MOT has any bearing on your insurance

[chas2008]

asuming your policy allows it, many now dont

[R1Geezer]

If your insurance certificate actually says words to the effect: "May drive other vehicles not owned by the policy holder not for hire or reward...etc" then you can otherwise you can't. Fully comp or otherwise is irrelevant in itself, it must say so. Your MOT situation does not effect your insurance validity in this respect.

[BertiWooster]

Be carefull because although your policy may permit you to drive another persons vehicle - it may well have a proviso , that it will only cover you for ' third party damage only '

[Canary42]

You need to read your policy and insurance certificate note very carefully - only you can really answer this question from those documents - anything we say is guesswork possibly based on cases different from yours. Bertiwooster's point is well made - it is quite likely you will only be covered for third-party liability (i.e. minimum law requirement) for another person's car.
As already stated, your (car's) MOT is irrelevant.

[woozer]

The "driving Other Cars" extension is for the minimum required by law to allow you to drive a car not beloning to you. CHeck your certificate as recommended by R1Geezer. As everyone else has said be careful, read your policy as this may qualify the extension and say it excludes the cars of people living with you etc. Also, usually it is only extending the policy for cars - dont drive a van or a motorbike thinking this will be covered. No offence meant but I recently had a conversation with someone who thought it was a great way to get insurance ocver when driving a company van !!!!