In many insurance jurisdictions outside North America—such as the UK—having a comprehensive policy historically included a "driving other cars" (DOC) extension, but this feature is increasingly rare and strictly limited to third-party only coverage in emergencies with the owner's explicit consent. In North America, comprehensive coverage is tied strictly to the insured vehicle itself rather than your personal driver's license, meaning your policy does not automatically transfer comprehensive protection to a non-owned car. Driving someone else's car relies entirely on the insurance policy attached to that specific vehicle, not your personal policy tier.
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