Although Tim has a car of his own, he is happy if he can borrow the neighbour's van for the move. Occasionally, he also goes for a little spin in his friend's smart convertible. Tim can rest easy, even when out driving someone else’s car. With the corresponding insurance coverage he need not give any thought to the ifs and buts.
Tim occasionally takes his friend's convertible out for a spin, and every now and again borrows his neighbour's van if he's going on a bigger shopping trip. His basic insurance doesn't cover damage caused when using third-party vehicles, so he has also taken out the external driver protection. This way, damages to borrowed vehicles and any loss of bonus are covered. The external driver protection is part of the private liability element of the youth insurance.