Family driving my car

Darro wrote:What's seems to be being forgotten here is that when a car is insured it's automatically insured for any driver, and that includes under 25's or whatever an insurer has specified.

If the policy conditions are contravened, minimum age limits for example, the level of the cover may be reduced but the very minimum 3rd party cover required by law will be in place at all times.

Where a policy imposes an age limitation, be that 25 or whatever, it does not mean that cover is suspended or voided if the rule is contravened but that cover may be reduced to the minimum 3rd party required by law and following an accident the policy excess may be substantially increased or possibly a claim for own damage declined altogether.