Do you need insurance to drive someone else's car in Australia?

Do you need insurance to drive someone else's car in Australia, legally you need the car to have Compulsory Third Party insurance, which covers personal injury, and this is mandatory for registration, so any registered car in Australia has CTP. For property damage insurance, it is not legally mandatory to have comprehensive or third party property insurance to drive someone else's car, but it is financially risky to drive without it. Because car insurance follows the car, not the driver, if you drive your friend's car with their permission, you are covered by whatever insurance they have on that car. If they have comprehensive insurance that allows any licensed driver, you are covered for damage to their car and to other cars up to $20M. If they have Third Party Property Damage, you are covered for damage you cause to other cars but not to their car. If they have no optional insurance, only CTP, then there is no cover for property damage at all, and if you cause an accident, you and your friend as owner could be personally liable for tens of thousands in damage to other cars, buildings or luxury cars. So while you do not need your own separate insurance to drive someone else's car, you need to ensure their car has at least third party property cover, and that their policy allows unlisted drivers, because budget policies like Bingle or Rollin may only cover listed drivers and deny claim if you are not listed. For peace of mind, check their policy schedule before driving.