Is my sister insured to drive any ones car? If so is it expensive?

bostonianinmo

Insurance follows the vehicle. Anyone may drive the car with the owner's permission unless they are excluded by the language of the policy (common exclusions include under or over a certain age, household member not named on the policy, or named as an excluded driver, etc.)

If you are the primary policyholder, your insurance MAY be excess to the existing coverage when you drive someone else's car; read your policy or check with your insurance agent/company to be sure.

josephmarzen

When you pay for car insurance it generally covers any car you drive. It also covers the particular car you put on the policy when someone else is driving.

(Although the fact that you used the word mum makes me think you live in the UK someplace, so, if that's the case, things may be different there.)

Thanks for the Yahoo Jacket

Only if her insurance policy says so.

a99blkdog

call yr agent.

scragette2000

Her insurance has to be fully comp, and say on it that with the owners permission she can drive any car 3rd party as long as it is insured.

dcgirl

Check with the people who wrote the policy. In the US, the insurance usually follows the car and not the driver unless you have a specific exclusion--- your mum's car insurance insures everyone who drives it unless the policy specifically says your sister is not covered. But different companies do things different ways and different policies will have different stipulations.

sfcjcl

My insurance company insures me for whatever I drive, my cars, rentals, parent's car, and such. It depends on what are the terms of the policy.

zippythejessi

Depends on where you live. In NY, if you have car insurance, you're apparently allowed to drive any one's car. Check her policy.

Sugar Magnolia Says GO CHIEFS!

I know here in the states, the insurance follows the car, not the person. Meaning, since I have insurance on my car then my boyfriend could drive it & we would be ok if something happened to it. But since he has no insurance on his car, even though I do, I won't drive his because if something happens we are screwed! Check with your local agency-they should help you!

lepninja

Each car is insured individually for damages to that car but as long as you have an insured car then you can drive any insured car whether it belongs to a family member, friend or car rental company.

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