Gents, as per my original post we are both named on each others policy as a named driver so it has no implication to us. However I know some insurance policies actually prevent you driving your spouse's car with third party cover whilst others allow it, this proves very handy as I said for moving one car out of the way to access the other.
The latest addition to this policy appears to indicate you do not have third party cover on any car loaned to you. So, it's either loaned, hired or taken without consent. As Teflon said if you stole it your covered
