Some auto insurance companies may try to probe for additional hh members or drivers who may use your car on a recurring basis. Does the borrower have a good driving record? Is my insurance up to date? So if the driver rear-ends someone or bumps another car in a parking lot and your insurance has lapsed, you could be liable for damages. What do they plan to use the car for? If the car is being driven for commercial purposes and you only have a personal policy, you may not have sufficient coverage.
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Definitely good things to know and consider. You would need to pay for that out of your own pocket. Driving other cars cover is an add-on intended to allow you to drive other cars in an emergency, and will not extend to other cars you own. Depending on your driving experience, it could even help to cut the cost of their cover. Temporary car insurance: Alternatively, you could consider temporary cover if you plan to borrow their vehicle as a one-off.
You can even get one-day cover to drive someone else's car. Temporary car insurance is a short-term car insurance policy that typically lasts between one and 28 days, sometimes longer. It's illegal to drive without insurance The only exception is when you're hiring a car or taking driving lessons in a professional instructor's car, as the insurance will be included in the cost of the hire car or lesson.
Perhaps, but the same rules apply if someone else wants to borrow your car. To be covered, they will either need to have DOC cover, be added to your own insurance policy as a named driver or take out a temporary policy. A temporary insurance policy may be a good option if, for example, your son or daughter wants to drive your car while they are home from university, and they're not covered on your insurance. Car insurance extras and add-ons explained.
Car Insurance Fronting and its Repercussions Uswitch. Is Your Car Insurance Valid? Or vice versa—you lend your safe-driving, clean-record friend your car for the weekend. In the event of a collision: Whose insurance is responsible for covering it? The one who owns the car, or the one who was driving the car? Generally speaking, auto insurance follows the car instead of the driver. Follows the car , meaning: if you lend your friend your car and your friend gets into a collision, your insurance would cover it, and if your friend lends you their car and you get into a collision, your friend's insurance would cover it.
Since it's easiest, in this case, to spell out the exceptions to the rule, let's look at the scenarios where the insurance would follow the driver instead of the car. Usually you would need to explicitly exclude drivers on your policy for them not to be covered in which case, it would seem odd you would lend your car to someone you exclude anyway, but that's beside the point.
In general, though, your insurance will cover any person who you've given permission to drive your vehicle, including family members living with you and your dependent children away at school. It is important to note that insurance companies do generally expect any family members living in your household who will be driving your car on a regular basis to be specifically named and included as drivers in your policy. In the case where the amount needed to repair damage from a collision exceeds your insurance policy's "limits"—that is, the maximum amount the policy will pay for repairs—then the driver's coverage policy might have to step in to cover what yours can't.
Think of it this way: the car insurance typically follows the car, not the driver. So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident. But if another person — other than the owner — is willing to pay for auto coverage for your car, most insurance companies will allow it. How insurance comes into play after an accident when someone else drives your car depends on your specific car insurance coverage, so be sure to check with your insurance agent to find out how your policy covers other drivers.
Take a look at the following scenarios to get a clearer idea of how your insurance coverage is affected if someone gets into an accident when driving your car.
Whose insurance should cover the accident? If you gave your friend permission to drive your car, your car insurance would typically be deemed the primary coverage. However, since they also have car insurance, their insurance would probably be considered secondary coverage. This means, if they were to cause an accident in your vehicle, it would most likely be you who files a claim, pays your deductible, and yes, potentially faces the wrath of increased rates.
Learn what to do if you total your car or if your friend totals your car. Just make sure your sister knows to get all of their insurance info before taking off — follow these tips if you get in a car accident.
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