u/Few-Try3621

This is how its worded on my certificate of insurance.

The Policyholder

The policyholder may also drive a motor car not belonging to the policyholder, not hired to the policyholder under a hire

purchase agreement or not owned by or provided by an employer or business partner, provided that;

the policyholder has the owner's permission to do so; and

the policyholder still has the vehicle identified above by its registration mark and it has not been damaged beyond economical

repair nor been stolen and not recovered: and

the policyholder is not using the car outside of the geographical limits; and

the motor car does have alternative insurance in force; and

the motor car has not been seized by, or on behalf of, any government or public authority