Can I drive someone else's car on my insurance?

Can you drive someone else's car on your insurance in Australia is a common misunderstanding, because in Australia car insurance follows the car, not the driver, so your own insurance on your own car does not cover you to drive someone else's car comprehensively. If you drive your friend's car, you are covered by your friend's insurance on their car, not by your insurance. If your friend has comprehensive that allows any licensed driver, you are covered for damage to their car and to other cars. If they only have Third Party Property Damage, you are covered for damage you cause to others but not to their car. Your own comprehensive policy on your own car may include a small extension for driving an uninsured third party vehicle, which gives you up to $5,000 to $10,000 cover for damage you cause to other people's cars while driving an uninsured car with permission, but it does not cover damage to the car you are driving. So you cannot rely on your own insurance to fully cover you in someone else's car. In the UK, some fully comprehensive policies include Driving Other Cars extension that allows you to drive another car third party only, but this is rare in Australia. Best practice is to check the other car's policy schedule to see if it allows unlisted drivers and what excess applies, ensure you are licensed and have permission, and consider being added as listed driver if you drive it regularly. If the other car has no insurance, you risk personal liability.