allowing someone to drive my car when the person doesn't have insurance

rkrishna

Hi,
I have a comprehensive insurance cover on my car. I would like to allow my relative to drive my car occasionally (once in a while). he got his driving license (passed the test) recently and he doesn't own a car and does not have any insurance on his own. I called up my insurance company to add him as a named driver on my car, but they are saying the named driver should be living in UK for at least three years (he is aged 23, studying and living here for past two years), so I can't add him as a named driver (unless I cancel my policy and go with someone else who allow this).
my understanding is that since I have comprehensive cover, anyone can drive my car with my permission (but I think only third party cover is allowed in this case i.e. damages to my car is not covered), but I don't know if it includes anyone who doesn't own a car and don't have insurance themselves?

ariba10

If they have fully comp insurance of their own, their insurance "may" allow them to drive other insured vehicles, but with 3rd party cover only.

newfoundglory

You need to check your policy. Some do allow any driver to drive with the owners permission, but I doubt it would cover someone under 30 who has had a license for less than 1 year.

Alternatively, what about a temporary policy? Again, may not be possible for someone with a license for less than 1 year.

Quentin

rkrishna wrote: »

my understanding is that since I have comprehensive cover, anyone can drive my car with my permission (but I think only third party cover is allowed in this case i.e. damages to my car is not covered), but I don't know if it includes anyone who doesn't own a car and don't have insurance themselves?

Your understanding is wrong.

"Comprehensive cover" relates to the cover you have, not that you have cover for any driver.

Any other driver who you want to drive your car would need to either be added to your policy (which in the scenario you have your insurer won't do) or have their own RTA cover (which would be third party only provided via their own policy with a "driving other cars" extension (which in your scenario is no good as the driver has no insurance), or get the driver to take out a temporary policy every time you want them to drive (again, if they can find an insurer prepared to cover a 23 year old).

Rover_Driver

rkrishna wrote: »

Hi,
my understanding is that since I have comprehensive cover, anyone can drive my car with my permission

Just because you have comprehensive cover it does not cover anyone to drive your car, check your certificate of insurance - it will state who is covered - unless it states 'any driver', only those named on it are covered.

The third party extension you refer to is often given to policyholders to drive other cars with the policyholder's permission. (eg. your insurance may cover you to drive other cars).

Hammyman

rkrishna wrote: »

Hi,

my understanding is that since I have comprehensive cover, anyone can drive my car with my permission (but I think only third party cover is allowed in this case i.e. damages to my car is not covered), but I don't know if it includes anyone who doesn't own a car and don't have insurance themselves?

WRONG. Nobody can drive your car other than people specifically named on the policy unless the policy specifically states "any driver" which nowadays is only really hire company policies and even then limited to certain ages and offences.

You are getting muddled up with YOU being able to drive other peoples vehicles under YOUR policy cover if it has it.

If you allow someone to drive your car without insurance, YOU are liable for a fine and 6 penalty points on your licence.

Keeping_Positive

Agree with above poster if you allow someone without insurance to drive your car you can be prosecuted.

forgotmyname

They will impound your car and charge you at least £100 + a daily storage fee.

Then the police will ask the question did you allow them to drive the car uninsured or did they take
it without your consent.

Either the driver will get at least 6 points and a large fine.

You will get a similar for allowing them to to drive it. Unless you say he stole it. Then he gets prosecuted
for TWOC as well.

I wouldnt expect him to be a friendly friend after that.

Its a LOSE / LOSE situation. That will be very expensive. Its bound to happen when you havnt got the cash
to hand to get your car back then the daily charges keep building until its cheaper to buy a new car.

Seen it on one of the cop shows mother said she allowed her son to drive it, He didnt steal it. BUT when the copper said
OK i will write your ticket out in a minute she suddenly changed her mind.

Your insurance will skyrocket with a prosecution for any thing insurance related.

iolanthe07

It used to be quite common to have policies which covered 'any driver', but these are rare and expensive these days, so it unlikely that your friend will be covered. Your insurance schedule will make clear who is covered on the policy.

vax2002

The car is not insured to be driven, it is insured against fire and theft whilst not driven and the DRIVER is insured to drive it.
They are not the same thing.
Although the police appear to think they are..

scheming_gypsy

rkrishna wrote: »

Hi,
I have a comprehensive insurance cover on my car. I would like to allow my relative to drive my car occasionally (once in a while).

Some insurance companies will let you add a temporary named driver. Not sure if the rules are the same as a full time named driver though.