Who is MOST likely to need an OAP 2 document?

The OAP 2 document, also known as the "Driver's Liability Insurance Certificate," is particularly relevant for drivers who may not have their own insurance coverage. In the case of a person borrowing a friend's car without insurance, obtaining an OAP 2 is crucial because it provides financial protection in the event of an accident or damage while using that vehicle. This document acts as a form of liability coverage, ensuring that the driver borrowing the vehicle is protected even though they do not have personal auto insurance.

For the other scenarios: a new driver with their own vehicle would usually have their own policy in place and therefore would not need this specific document in the same manner. A professional driver typically has comprehensive insurance coverage related to their employment, making the OAP 2 unnecessary. Someone leasing a vehicle usually benefits from insurance that is either included in the lease agreement or is part of their personal auto insurance policy, thus also negating the immediate need for the OAP 2.