01
The driver
- Is the licence valid for this vehicle?
- Are all convictions, claims and relevant medical restrictions disclosed?
- Is the borrower named on the owner’s policy, covered under a confirmed DOC extension, or separately insured?
02
The car
- Does the certificate show the correct registration?
- Is the car taxed and does it have a valid MOT where required?
- Has the insurer been told about modifications?
- Does the owner have authority to lend it?
03
The journey
- Does the class of use include commuting or business travel if needed?
- Are all drivers covered for the whole period?
- Is travel outside the UK included?
- Are towing, deliveries or other unusual uses excluded?
04
The policy
- What is the excess?
- Is damage to the borrowed car covered?
- When does cover begin and end?
- What number should be called after a collision or breakdown?