Can you drive your boyfriend's car if you are not on his insurance in Australia, yes you generally can if his policy allows unlisted drivers, which most standard comprehensive policies do. Because Australian car insurance is attached to the car, not the driver, his policy covers the car regardless of who is driving, as long as driver is licensed, has permission and meets conditions. If you are not listed, you can still drive with his permission, but if you have an accident, there will be extra excess. Most insurers like NRMA, Allianz, AAMI, QBE and Suncorp charge unlisted driver excess of $400 to $600 for drivers over 25 and $800 to $1,200 for under 25, on top of standard excess. So total excess could be $1,200 to $2,400. His no-claim bonus will be affected. However, you must check if his policy is a restricted driver policy. Budget insurers like Bingle, Rollin and some Youi policies only cover listed drivers, and if you are not listed and you crash, there is no cover at all, and you could be personally liable for damage to other cars, which could be tens of thousands. For CTP which covers injury, you are always covered. So you can drive his car if not on insurance provided his policy allows unlisted drivers, but it is safer to be added as listed driver, which is often free or costs small extra, especially if you drive regularly. Also ensure you have valid licence, not disqualified, and his car is registered. In UK rules are stricter, you must be named driver.
1 votes
Marked as accepted