There is no hard and fast rule, different insurance companies play by different rules. As well as age restrictions you may well find that any company that provides DOC cover (driving other cars) as part of its policy may well insist on.......
A) The vehicle in question being registered/owned by someone other than the person using it on DOC terms
B) The vehicle in question is covered by a valid policy in the name of someone other than the person using it on DOC terms.
I once found myself in a similar situation, being asked to move a friends car on which his own policy had expired. As the distance was considerable I considered it prudent to check with my own insurance provider that I would actually be covered. Despite having a legitimate fully comp policy in my own name and on my own car it turned out that I wouldnt have been covered for the second reason mentioned above.
When it comes to car insurance I would not assume anything without speaking to the provider first.
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