Hello,
My policy has that in it too, but I don't have it for anything other than private use. It's a fully comprehensive policy for one car with me as the only driver for personal use. The only thing is, if you drive a car belonging to someone else - THEY - must have an insurance policy for the vehicle otherwise the police and court will prosecute you for driving without insurance. It's a big con and unclear wording of the policy document. I was under the impression that due to the policy wording I could drive ANY vehicle even if it was owned by someone else such as a friend, but third party only. I can only do that if the person that owns the car has a current insurance policy in his/her own name, even though I am technically insured myself. The problem is that any other car I might want to drive is not named on my policy. This is why a garage will put garage plates on a car during a test drive. There was a big argument on a phone-in one night, so the presenter got people from insurance companies on, police and people that had been prosecuted. So before driving anyone elses car or motorbike, check they have a valid policy for it or you will be prosecuted - even if you're fully comprehensive and your policy clearly states you can drive a vehicle not belonging to you as third party only.