In Britain you can only drive a car you are insured to drive. My insurance is for me only driving, anyone else is uninsured on my policy. I am however insured to drive anyone else's car with their permission but for third-party risks only, i.e. any damage to the car I'm driving isn't covered.I get that, thanks for explanation. In Australia you add other names on the insurance contract or at least a secondary driver without a name with a higher insurance premium with according excess payment depending on who drives but it seems in Britain your absolutely not allowed to drive another car if your not insured under it.
I can take out 'any driver' or 'any driver over 25' policies, at higher cost, but as I'm the only driver, (my wife won't drive my car) it's not worth paying extra. On my wife's car, we have two named drivers on the policy so either of us can drive.
S