Quick Answer: Will My Insurance Cover A Borrowed Car?

How does insurance work if you borrow someone’s car?

rule of thumb is that car insurance follows the car, not the driver.

Therefore, if you borrow a friend’s car, you would be covered under that friend’s car insurance policy up to the policy limits they chose.

This is what’s known in the biz as “permissive use.”.

Does my car insurance cover me in someone elses car?

If you drive someone else’s car with their permission, you are generally covered under their auto insurance policy. When you borrow someone else’s car, in a way you are also borrowing their car insurance, too. will cover any damages or injury you cause to others while driving their vehicle.

Can I drive someone else’s car with my insurance?

If you are driving someone else’s car, their insurance covers you while you are driving their car, as long as you: … Are not specifically excluded from driving their vehicle.

Is it OK to let someone borrow your car?

You can safely lend your vehicle to someone without worrying about whether that person is named as a driver on your auto insurance policy if the following three conditions are met: You’ve given the person permission to drive your vehicle.

What happens if someone drives your car uninsured?

Car owners who lend their vehicle to someone who drives it without valid insurance can be convicted of an IN12 offence, which is technically described as “aiding, abetting, counselling or procuring using a vehicle uninsured against third party risks.” … Drivers can even be disqualified from driving for this offence.

Can I drive my new car home without insurance?

It is a legal requirement that you are insured to drive your new car at any time, even just to bring it home. If your new vehicle isn’t properly insured when you want to drive it away, you could find yourself facing unlimited fines, points on your license and even having your car confiscated.

Can my son drive my car if he is not insured?

If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy. The reason is that car insurance follows the car, not the motorist. This fact has ramifications for you as the owner of the insured car.