Someone else can drive your car as long as you have insurance on the car and as long as the driver as a drivers license.
The driver of the car does not have to have insurance themselves to drive your car and they should be covered under your car insurance policy.
As long as the insurance and registration papers are in your vehicle when the driver drives it they can legally drive your car as long as you give them permission.
Most car insurance policies will cover drivers you've listed on the policy, or anyone whom you give permission to drive your car.
This means that your car insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle and they have a valid drivers license.
The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it.
Driving other cars cover is usually only available on a comprehensive car insurance policy, so if you have third party (or third party, fire & theft) cover, you won't be covered to drive any other cars.
Usually, the owner of the vehicle is a “named insured” on the auto policy.
But if another person other than the owner is willing to pay for auto coverage for your car, most insurance companies will allow it.
If someone takes your car without your permission or you drive someone else's car without permission and get into an accident then the insured cars policy will typically not cover the accident.
As long as you have permission to drive the insured car then the insurance will most often cover you in the event of an accident.