I would like to know what insurance arrangements EForumites have for driving their families or friends’ English registered cars whilst in England?
My Swiss car insurance allows me to drive my Swiss car in England but I am curious to know if I’ll be covered driving an English registered car in England?
In Switzerland, the car is insured. In the UK, the driver is insured. If you drive an English registered car. you must be insured as driver.
If I wish to drive my parent's car when in the UK, they add me to their insurance.
I use cuvva.com if I need to drive a friend or relatives car. Once registered you just type in the registration and then choose from an hourly or daily policy. Last time I used it to drive my sisters car it was £9 for the day
No. You need the car owner to add you to their insurance. This can be done for a short time (depending on insurance company).
What I did! Was cheaper than hiring a car.
As others have posted, Swiss insurance covers the car, not the driver. Having so said, it works well.
One time in England I had a head-on collision with a Nissan and everything was paid without question.
I was driving my Mustang convertible which is nothing like a sports car, it weighed close to two tons. I just had a broken sidelight and could drive back to here, the Nissan had to be taken away on a low loader.
I'm surprised the insurance paid without question, Mustangs normally crash sideways
Luckily, I had German Continental tyres, not US ones.
Since Brexit it has become much more difficult to be added as a driver to existing insurance policies.
You’ll probably have to shop around a bit.
We found, pre-Brexit that having a Swiss, non-EU license was a no-no for many English insurance companies. I can't imagine it has changed for the better!
Generally accepted advice is to add driving a third-party's car to your own personal Haftpflichtversicherung or to add it to your own car insurance if you don't already have that cover on one of them.
Some people seem to have managed to get themselves put on the car owner's policy but it seems nigh on impossible unless they forget the Swiss licence part.