Can you drive your partner's car if you are fully comprehensive depends on whether you are in Australia or UK, because rules differ. In Australia, if you are fully comprehensive on your own car, that does not automatically give you fully comprehensive cover to drive your partner's car. Because Australian insurance follows the car, not the driver, you are covered by your partner's insurance on their car, not your own. If your partner has comprehensive insurance that allows any licensed driver or lists you as a regular driver, you can drive their car and be covered comprehensively under their policy. If their policy is restricted to listed drivers only like Bingle or Rollin and you are not listed, you may not be covered. Your own fully comp policy on your own car may include a small extension for driving an uninsured third party vehicle, giving you up to $5,000 to $10,000 third party property cover for damage you cause to others while driving their car, but it will not cover damage to your partner's car itself. In the UK, if you are fully comp on your own car, you may have Driving Other Cars extension that allows you to drive your partner's car third party only, not fully comp, and only if your partner's car is separately insured and you have their permission, and many policies now exclude this for under 25s or require partner's car not owned by you or your spouse. So in Australia, you can drive partner's car if their insurance allows, in UK you need to be named driver or have DOC extension for third party only.
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