Timeline for If I let a friend drive my car for a day should I tell my insurance company?
Current License: CC BY-SA 3.0
25 events
| when toggle format | what | by | license | comment | |
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| Sep 29, 2016 at 18:05 | answer | added | Xalorous | timeline score: 1 | |
| Sep 29, 2016 at 13:55 | answer | added | gnasher729 | timeline score: 0 | |
| Sep 29, 2016 at 12:07 | comment | added | user45974 | @LightnessRacesinOrbit I did read your comments to completion - and I answered that specific point when I covered the two most common options. The fact is, casual car use cover is per-policy based, not per-class or price based - you need to check the policy. Even if you bought the cheapest policy you could find, some insurers cover it by default in some policies and some do not. So you can't simply say "generally cheapest" or "most common" policies do or do not have it - it simply doesn't work like that. | |
| Sep 29, 2016 at 12:01 | comment | added | Lightness Races in Orbit | @Moo: It seems like you're not reading my comments to completion. When I wrote "default", after it I put a parenthetical explaining what I meant by that. Do you claim that there is no such thing as "most common"? Or "generally cheapest"? That seems to be unlikely. | |
| Sep 29, 2016 at 12:00 | comment | added | user45974 | @LightnessRacesinOrbit having worked in insurance, there is no such thing as a "default" car insurance policy taken out - some people take out 3rd party only, and some of those policies allow you to drive a different car on a casual basis, and some people take out fully comp policies, most of which allow you to drive a different car on a casual basis. You really really have to check your policy - the only time you will never be covered to drive a second car on a casual basis is if you are a named driver, the cover only applies to the policy holder, not named drivers. | |
| Sep 29, 2016 at 11:55 | comment | added | Lightness Races in Orbit | @Moo: I'm aware of that (most obvious example: garage staff), but I'm saying what I believed to be the "default" (call it "most common" (and generally cheapest?)) policy taken by UK citizens. | |
| Sep 29, 2016 at 11:52 | comment | added | user45974 | @LightnessRacesinOrbit as people say, it depends on your insurance policy. | |
| Sep 29, 2016 at 11:16 | comment | added | Lightness Races in Orbit | In the UK, last I checked, by default you can't drive anyone's car but the one you're actually insured on. Perhaps things have changed. | |
| Sep 29, 2016 at 9:47 | answer | added | NoAnswer | timeline score: 4 | |
| Sep 29, 2016 at 9:07 | comment | added | NibblyPig | The UK wording tends to be something like for occasional, one-off use as well. So I can drive anyone's car but just not regularly - I can't commute to work every day in it, or use it as my personal vehicle, but I can make the odd journey with it. | |
| Sep 29, 2016 at 8:02 | comment | added | Chris H | @alephzero is right for the UK, though "probably" may be putting it too strongly. This tends to be an optional extra on the cheapest policies, built-in on comprehensive policies. If the owner has comprehensive insurance that will cover most if not all of the things the the borrower's insurance doesn't -- read the small print. | |
| Sep 29, 2016 at 6:15 | answer | added | dee peterson | timeline score: 0 | |
| Sep 28, 2016 at 20:26 | comment | added | alephzero | In the UK, this works the other way round: if your friend has valid motor insurance on his/her own car, then his/her policy will probably state that he/she can legally drive any other car with the owner's permission, but he/she is only covered for the minimum legal requirement of third party insurance. In other words if your car is damaged the insurance company won't pay anything. Whether you want to take that risk is your decision, of course. (Source: personal experience - a friend drove to a hospital for emergency treatment, which resulted in him being unable to drive his car back home). | |
| Sep 28, 2016 at 20:21 | history | edited | Brythan | CC BY-SA 3.0 |
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| Sep 28, 2016 at 18:43 | comment | added | Bakuriu | Interestingly, I know that at least in Italy there exist such a thing as "carelessly lending" a car (i.e. lending the car to someone who is well known for stealing them/crashing drunk into things etc) and even "lacking safekeeping" (i.e. even if you tell your friend that you are not lending him the car, but you don't keep the keys safe and the friend gets them and use your car) in both cases you'd have troubles. | |
| Sep 28, 2016 at 18:24 | vote | accept | neubert | ||
| Sep 28, 2016 at 17:16 | answer | added | Digital Chris | timeline score: 24 | |
| Sep 28, 2016 at 16:37 | answer | added | Dheer | timeline score: 6 | |
| Sep 28, 2016 at 16:34 | history | tweeted | twitter.com/StackFinance/status/781170336242991104 | ||
| Sep 28, 2016 at 16:06 | comment | added | neubert | @Dheer - United States. I added that as a tag | |
| Sep 28, 2016 at 16:05 | history | edited | neubert |
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| Sep 28, 2016 at 15:07 | comment | added | Dheer | What country are we talking about? | |
| Sep 28, 2016 at 14:57 | comment | added | Nate Eldredge | Read your policy; it very likely addresses this. | |
| Sep 28, 2016 at 14:53 | answer | added | Mike Scott | timeline score: -3 | |
| Sep 28, 2016 at 14:48 | history | asked | neubert | CC BY-SA 3.0 |