The DOC MythLast modified:
FACT: Fully comprehensive insurance does not automatically cover you to drive other people’s cars.
It’s a common misconception that if you hold a fully comprehensive policy, then you automatically have third-party cover to drive someone else’s vehicle with their permission.
Known as DOC (Driving Other Cars), this was a additional benefit used by insurers to incentivise drivers to take out fully comprehensive cover, but:
It was only supposed to be used in an emergency
It doesn't apply to people with certain occupations, e.g. in the motor trade
It never applies to hired vehicles
Many drivers still believe that DOC covers them to drive other vehicles, but today’s insurance market is a very different place. Although DOC is still available on fully-comp policies it is not automatic.
Driving without insurance is a criminal offence. You could face having your vehicle seized, 4-6 points on your licence for 4 years, unlimited fines and a possible ban from driving if you are convicted of an IN10 offence – Driving without insurance.