Years ago, as I understand it, if you had Fully Comprehensive Insurance, you could drive any other vehicle as long as you had permission from the registered vehicles keeper or owner, the fully comp. policy covered this. Now I understand that since insurance has changed, even with fully comp. insurance. My question is:- Is the motor insurance policy related / linked to the vehicle to be insured, or is it linked ot the named driver? If you are in an emergency situation where the insured and registered owner of a vehicle is taken ill, and one of the passengers has a full & current driving licences, and full comp. insurance on their own vehicle - are they technically breaking the law if they attempted to drive the vehicle that the current driver is ill? Is there such an animal insurance wise that is still obtainable whereby the policy covers you for any other vehicle, (as long as you have permission to drive it), and your own vehicle? Are premiums likely to be loaded high by motor insurance if your insurance is for 'Any Driver' (unamed?), or is there such a class of insurance.