The simple answer is to ask the insurance company and then you will know for sure asking on this forum is going to give you so many different answers you will be no better informed at the end .

To try and do a definitive answer

To drive other cars (DOC) on a third party only basis:

1. There must be a clause in your policy which permits you to do so. Many policies don't have this benefit any more. Go and check.

Assuming you have the benefit:

2. It only covers the policyholder - not any named drivers. The policy holder normally has to be 21 or older. Some policies are over 25. There may be other restrictions regarding convictions. Again go and check

3. The cover is only for vehicles not owned by you or with you as the registered keeper. Obvious - but you cannot buy one policy and drive all your cars on it.

4. The car you are driving does not have to have an insurance policy in place on the vehicle but it is ony covered if you are actually driving it. If you park it while it is uninsured in the street then it can be lifted for having no valid policy in place.

5. The cover is Third Party Only - it does not include Fire and Theft. Your insurer will only settle damage and injury to others if you are involved in a fault accident, not to the vehicle you are driving.

6. If you permit a person to drive your car and they do not have Drive Other Cars cover you are both at risk of 6-8 points - the other driver for not having insurance and you for permitting them to drive with no insurance.

On 5. and 6. we had one person who permitted a driver to test drive his car which was totalled and found himself charged on permit, no insurance.

The court accepted a Special Reasons Argument because he had been assured that the other person had Drive Other Cars benefits so he did not get penalty point but he was left in a position where he had to sue the would-be purchaser personally for the loss of his vehicle and his personal injury.