Yes I think that's right but we're all going to need to watch this as NU Direct will soon stop covering you to drive someone else's car even if you have fully comp. cover yourself. There was some publicity about this a while ago so, as my renewal is soon due, I asked them about it and they said other companies will be following suit. It's going to cause problems as it will mean you can't drive someone else's car in an emergency. There was a long thread about this on a BBC Message Board following the original announcement and it was generally pretty unpopular. Apparently people have been getting covered to drive a low powered car then use this loophole to drive a higher one. Seemed to me the answer would be to limit the third party cover on someone else's car to the same group as your own comp. but maybe there's more to it.
The early bird may get the worm, but the second mouse gets the cheese.
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