Am I insured to drive someone else’s car in Ireland

Yes, it’s legal to drive someone else’s car in Ireland, but with some conditions:

1. Permission: Ensure you have explicit permission to drive the car; otherwise, it could be considered theft.
2. Insurance: You should have your own car insurance. Third Party, Fire & Theft and Comprehensive policies generally allow you to drive another person’s car, but check your coverage with your insurance broker.

Insurance policies:

• Named driver on parent’s policy allows young drivers to use the car with conditions.
• Considerations: mileage restrictions, age (usually over 25), and vehicle type.

Consequences of driving without the necessary insurance:

• High fines (up to €5,000), five penalty points, and possible imprisonment.
• This applies whether driving your car or someone else’s.

Learner drivers:

• If named on the policy, accompanied by a fully licensed driver and with L plates, they can drive someone else’s car.
• Learners need to be on the insurance policy for coverage.

Accidents while driving someone else’s vehicle

• Your insurance policy applies.
• Legal responsibility rests on the driver for damages and any legal issues.

While using someone else’s car in Ireland is legal, be aware of limitations like age, insurance coverage, and vehicle type. Always make sure you’re informed and insured appropriately. If you are looking for a car insurance quote, get in touch with us today at 042 935 9090. Or, if you have questions relating to driving someone else’s car, the team will be happy to help.