Lent My Car?

leedsmikey

Why would you lend your car to someone with no insurance?

Uncle John

Absolutely. And would be if they had some kind of insurance themselves. Your car - your liability.

Yep. Take it from someone who it happened to, be sure that you trust this person COMPLETELY before you lend them the keys to your ride.

Lou

you would need to check the details of your insurance, but i think you would be liable, but why would you lend your car to someone without insurance in the first place?

rowdy

I don't think so, because YOU didn't cause the accident (though I'm happy to be corrected on this). But you'd be guilty of a criminal offence of "allowing a vehicle to be used on a public road without insurance", whether there was an accident or not. You're aiding and abetting a criminal act, in other words.

Rica 82

If you lend your car out to a person with a license who has no insurance, you will be liable for it. Well, your insurance will be liable. And most likely, your insurance company will add that person onto your policy as a driver.

tvtam1

if your car has full comp. insurance you will be liable for any claims made to your insurance but then comes the clause about age or restrictions this has to be looked at. you can also have their name added to your policy which could give you protection normally only a phone call away and maybe a Â£25 charge which you can have your mate pay if they are that desperate
if it is their policy then only third-party cover and you could loose your car

NY1Krr

Your car insurance company will be liable for damages. You will get penalized for it until the person that you lent your car to get their own insurance. Then you have to show your insurance co. proof that the person has their own insurance and the charges will be dropped from your policy.

Bardic

Hi, as you're on a UK site I take it you're in the UK; in which case there's some dangerously wrong advice on here. It is the DRIVER who is insured, not the car.

Therefore, your insurance, if it is fully comp, probably allows you to drive another car (not owned by you) with third party cover. It does not cover anyone else to drive your car, unless they have suitable cover of their own.

If the "person" you describe has an accident or is checked for some other reason, they will be liable to prosecution for driving without insurance.

The police will also ask you if you gave permission for this character to drive your car. If you say "Yes", you too are liable to prosecution for allowing it. If you say "No", the other person is liable to prosecution for theft or as it's commonly known TWOC.

In short, don't do it!

Dan J

Don't do this. Simple as that.

But if you HAVE done it and they HAVE had an accident and it is their fault, then under the Road Traffic Act your insurance company will ultimately have to deal with the claim.

What they would do is pay out the third party's claim in full and then attempt to recover this money from the person driving your car by taking him to court.

People who state that it is the person insured and not the car are wrong.

Yes, because you permitted them to drive.

I was in an accident last year (not my fault) and the woman was driving what was apparently her boyfriend's car. His insurance paid for repairs to my van, because it was HIS car.

Away With The Fairies

Depends on the policy and depends what country you're in. In Australia for instance, it's the car that's insured, not the driver. Here in the UK, it's the driver, not the car. My policy doesn't allow anyone else (other than named drivers) to use my car and I'm not insured to drive other vehicles either (even though I've got fully comprehensive cover). The short answer is, check your policy.

TINKERBELL

Yes because they are driving your car - the person who's car they crash into can claim on your insurance because the car is in your name under your insurance and then your premiums will go up and you will be liable to pay the excess. I know because it has happened to me.

deanspurrier

Your insurance will cover them unless for some strange reason you policy specifically prohibits this.

If they are involved in an accident and it is there fault your insurance will cover it and it will work against you as a claim, but not an accident. Now with regards to no-fault States I have no clue how that works. Just check with your agent. I'm sure all is OK.

I loan my cars out to friends all the time who don't have insurance but a valid licenses (if they don't have a license or I don't trust them behind the wheel I'll drive them haha), if they really need transportation ie, job interviews etc. Whatever I can do to help someone. So far so good!

Take care hope I've helped.

lola

For the U.K
If they have a valid driving license and you are fully comp insured and they have your permission then have an accident then you will be liable.
If they have an accident and are not insured but the police can prove you knew then you could get into trouble too as it's illegal to drive with no insurance.

I think the Portuguese insurance is better, over there you insure the car and anyone can drive as long as they have a valid driving licence and the owners permission, any accidents are down to the owner of the car.

wizjp

Check your policy for the specifics, but probably to some extent yes.

oklatom

Of course. Insurance goes with the vehicle, not with the driver. When you loan out your car, your insurance covers. So if your car gets wrecked, his fault, and you have no collision, you're out a car. If he does something (park in a fire zone for example) to get your car towed, you pay the bill for that. He transports drugs and gets your vehicle seized, you don't get it back.

shirju_rich

You usually need to call up the insurance company and add their name to the insurance for the period of time they are borrowing the vehicle.

A friend of mine added me to her insurance a few years ago and due to my status it actually bought down her annual premium.

yaff

He may not have insurance of his own but if you are fully comp, there should be a clause in yours saying something like 'anybody over 25 can drive your car with your permission but they will be insured third party only'

lou b

This is UK.....not sure if the same applies in US.....but if you have got fully comprehensive insurance, your friend should be covered. Just to be sure why don't you ring the insurance co?

Ghost

Depends on what kind of insurance you have. If you only have insurance for you driving the car then the other driver won't be covered. Allthough if they do have an accident you could just lie and say you were driving, lol.

John W

Sajeen,
Unfortunately you would be commiting a criminal offence by allowing ANYONE who is not properly insured to drive your car on a public road.. They don't need to have an accident, they only need to be stopped by Police.. You can check the local information on this by simply calling your local Police station who will be happy to advise you further.

heebygeeby

If they crashed your car your insurance would be invalid,don't let anyone drive your car without insurance think about the consequences.

Pinkflower

Yes you would be and as you know they dont have insurance you would be crazy to lend your car to them. Be safe and wait till they get insurance before lending your car out. Its elligal to drive without insurance. Does your car insurance cover anyone to drive it third party or full comp? If so then they could use your car. Ring up your insurance people.

terry w

if you have fully comprehensive insurance, others can drive your car on third party risks only. If they did have an accident the insurance would pay for the other car but you'd have to sort your own out. Let them get thier own car and insurance.

Enter Your Message or Comment

User Name:
User Email:
Post a comment: