Can an uninsured driver use another persons car if that person has fully comp. insurance?

nicemanvery

Absolutely not , unless he's a named driver on your sons policy !!

WelshLad

No he cannot drive
Every driver must have insurance - listed as main driver or named driver on your son's policy

shazm

If your partner does not have insurance he IS NOT legally allowed to drive your sons car unless you son adds him as a named driver on his policy.

Martin14th

The only way to be 100% certain is to read the policy, it may say...... any driver with the owners consent........if it doesn't say that then it is very unlikely he would be covered.

A quick call to the insurance company would soon confirm

bigabadabill

he may only drive the vehicle if he has a policy that allows him to drive other vehicles with the owners permission or can only drive the car if he is named on the particulars of insurance (policy) at no other point is he insured to drive the vehicle and therefore will be breaking the law and pushing up the cost of insurance for law abiding motorists if he were to have an accident.

peter o

nope.you need to be insurance.yourself.

Neil

In the UK, if your son's insurance covers any driver (not very common any more, check the certificate of insurance) or covers your partner as a named driver on the policy (your son would have to arrange this with his insurer) then your partner would be covered.

If your son's insurance does not cover for any driver, and your partner is not a named driver on the policy, then he is not covered by your son's policy, so would be uninsured and illegal.

Xorgon

NO! Don't even try it. Please be safe!

buttrfly52

Depends on where you live and what your son's policy states. If the policy is written for named drivers only, then he would not be covered, but if it allows for permissive use drivers, then yes, he would be covered. However, if he gets into an accident, your son;s rates will increase and if your partner is living with your son, they may require that he is added on to the policy

Kes51

"Any driver" policies do exist but are expensive so only taken up by people who have a need for them.

The driver must still hold a valid licensed to drive the type of vehicle. If he/she doesn't hold a valid license they will be considered to be driving without insurance and the insurer may be deemed an accomplice for giving permission, so lose any claim for damage/injury that may result.

Brian

Your partner cannot drive your sons car on your sons insurance unless your son has got your partner as a named driver on his insurance policy or the policy is for any driver. If your partner drives the vehicle without the insurance having one of the above clauses in it he will be breaking the law and will be opening himself up for prosecution by the police.

Mick

The majority of the answers for this question are wrong if a person holds a licence to drive a vehicle and the owners insurance covers any driver ,that person can drive that vehicle with the owner permission ,but he will be only covered for thirded party insurance .

SIR GOLFALOT

If he wants to drive let him buy his own car, after all he is an adult. You would be taking a serious risk if you were to allow him to drive it.

val f1 nutter

in a word, no

he can only drive your sons car if the insurance was for any driver, or your partner is named on the insurance.

if your partner had fully comp ins, then he would be insured for any vehicle 3rd party only providing he has the relevant licence

The owner's collision insurance would still cover the car, less any deductible.
However, if the driver has no liability insurance and the driver is at fault in an accident, rest assured that the owner will need an attorney.

You did not mention that he has a license to drive.

esquirexii

If the uninsured is a licensed driver and has the permission of the insured in the United States the answer is generally yes. Generally, if a person drives your car with your permission then that person is covered by your insurance company.

oklatom

Insurance follows the vehicle, not the driver, so the general rule is that someone who uses your vehicle with permission is covered on your insurance. However if it becomes more than just an occasional thing, which it sounds like in your case, he would have to be added as an "additional" or "secondary" driver on your sons insurance policy to be covered. At any rate, it really sounds like you and your son think this to be a bad idea, so I would just say "no" and let it go at that.

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