Insurance Q - Named driver AND DOC

[Desmo]

Was just wondering what cover I would have with regards to insurance. New car is sorted but is insured under Piggy's name with me as a named driver.

I also have my own insurance on my car and can drive other cars.

If I crash in Piggy's car, who's insurance covers it? Mine, which would be 3rd party only under DOC. Or me as named driver on Piggy's insurance which I would assume covers me FC, the same as the main driver.

 

[Desmo]

I thought that might be the case but wasn't sure if you had the choice

Also, am I right in thinking that as a named driver, I have the same cover as the main driver? e.g. I WILL be FC.

 

[Desmo]

I know some insurers are a bit funny about you having two polices on the same vehicle, so I would definately check with both insurers.

It's not really two policies on one vehicle though. Just that technically, I'm covered 3rd party on the other car.