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Car insurance is usually for a specific car. So if you are covered to drive your fathers car that would not apply to your mothers car.
Yes, they would be covered as long as they only drive occasionally. If they drive more than 12 times out of the year, they would need to be rated on your policy in order for them to be covered.
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
As long as you are sure they have insurance and if you are listed as a drive on such insurance policy. If these cases are both yes then you will be covered under their insurance as long as you have permission to drive the vehicle.
Yes, I would make sure that any car you drive is covered.
If you have insurance on a car anyone who you give permission to drive the vehicle is covered under your insurance. This is normally covered when insurance companies ask if there will be any other drivers for the vehicle.
Yes, it is illegal to drive without car insurance. You may be covered on your family's insurance plan, however, so I would discuss it with them.
It is illegal to drive a car that is not insured for at least third party cover (i.e. if you hit someone then they - but not you - will get paid out). Therefore if the car is not covered on an insurance policy that YOU have then to drive it you would need to be covered on someone else's insurance. Some people hold insurance policies that allow anyone (with permission from the owner) with a valid license to drive the car and in this case you would b covered on this policy - many company cars have this sort of policy. It is you DUTY to make sure that you/the car has as covering policy before you drive it and that you can PRODUCE this policy for the police should they require you to do so.
You should double check with your insurance company to see how your policy is written, but usually your insurance would kick in as secondary coverage and you would be covered.
You would usually not be covered if there was an accident and you could be cited if you are caught. It's best to have insurance whenever you drive a car.
An Umbrella policy
If you own a car and buy insurance to cover it, you are covered although the insurance is on the car. You can allow other people to drive the car and they will then be covered even if they don't have insurance.