Does UK car insurance cover the driver or the vehicle?
Allways the driver never the vehicle a policy will cover policy holder only policy holder & spouse policy holder +any driver policy holder+ named driver(s) Your own policy may let you drive vehicles not registered to you (with the vehicle owners permission) but this is getting rarer these days but even if your policy is F/Comp you cover is limited to T/P only the safest thing to do would be to contact you insurance company/broker for clarification good luck best wishes