What is DOC Coverage?
DOC coverage allows you to drive vehicles other than your own with some level of insurance protection. Traditionally, it extended third-party liability coverage, meaning you’d be insured for damage caused to other people’s property in an accident.
Is DOC Included in My Policy?
Unfortunately, there’s no guarantee that your current car insurance policy includes DOC. Even if you have comprehensive coverage, DOC might be excluded or limited to third-party only. It’s important to review your policy documents or contact your insurer to confirm if DOC is included and what it covers.
Finding Insurance with DOC
While less common, some insurers still offer DOC as an add-on to your policy. Here’s what you should do to find coverage:
- Contact your current insurer: Inquire if they offer DOC as an optional add-on.
- Shop around: Get quotes from different insurance companies and ask specifically about DOC coverage availability and details.
- Consider alternatives: If DOC isn’t available or affordable, explore temporary car insurance for short-term use of another vehicle.
Things to Consider
- Level of Coverage: DOC might only offer third-party liability, leaving you responsible for repairs to the car you’re driving.
- Restrictions: Some insurers might limit DOC coverage to certain types of vehicles or restrict how often you can use it.
- Cost: Adding DOC will likely increase your insurance premium.
Conclusion
DOC coverage can be a valuable tool, but it’s not always readily available. Carefully review your existing policy and explore your options with different insurers before making a decision. Remember, driving without proper insurance is illegal, so ensure you have the necessary coverage before getting behind the wheel of another car.