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How Car Insurance Works If I Borrow Someone Else's Car?

Written by Amit Jain
Updated On Oct 18, 20232 min read

How Car Insurance Works If I Borrow Someone Else's Car?

An individual could decide to utilise a family member or friend's car  to conduct errands or take over driving responsibilities whether they are at home for the holidays or visiting a friend. Up until they dash to get a quick coffee, turn around, and get into a collision. To assist a person negotiate this issue, they should know if their insurance covers anybody else if they are the owner of the car and are letting someone else drive. To know more about car insurance if an individual borrows someone else’s car, read on.

How Car Insurance Works If I Borrow Someone Else's Car?

Can someone who doesn't have insurance use your vehicle?

Yes, a person can still drive your car  even if they are not covered by your four-wheeler insurance. He or she must, however, be a permissive driver. According to the definition of a permissive driver, above the age of 18. 

If someone else was involved in an accident with your car , would you still be covered by insurance?

Yes, if any of your friends or family members were involved in an accident with your car , you would be eligible to get insurance coverage. There are other situations to take into account, though -

If you give the negligent driver permission - You will receive the full insurance coverage if the driver of the automobile is given permission by you to operate it and causes an accident. Even if you weren't in the car when the accident occurred, you will still benefit from the insurance because it is your car which is covered under insurance. Since liability insurance is a component of your insurance, it is also covered by your insurance policy. If the driver of the vehicle harms other people, that goes above the acceptable threshold then compensate for the losses, the permissive driver's insurance will be used. The permissive driver will be responsible for covering the costs of the damages if his or her motor insurance coverage is likewise insufficient.

What if your partner is involved - Now, if your partner tries to operate your vehicle and meets with  an accident, your insurance will pay for everything.

If someone else drives your car, would your insurance premium  increase?

Your insurance premium value will undoubtedly increase if someone else is driving your car and has a collision. However, if the person driving your car is a certified driver, then you would not be charged a higher premium. It is good to have a paid driver cover add-on in such cases to keep the financial damage at the lowest.

What if your car's driver obtains a ticket for driving too fast?

The rates or premium for your insurance policy won't change if the driver of your automobile received a traffic citation unrelated to being in an accident. The driver's licence is charged with the traffic ticket charges.

Is lending your automobile safe?

Make sure your buddy or family has a valid driver's licence, is the legal driving age, and is not a drug user before you let them use your four-wheeler.


In summary, you now understand that the policyholder of the vehicle determines the insurance coverage when you rent a car. Therefore, if you borrow a car, the owner's policy could provide coverage. Your insurance would probably cover a buddy who borrows your automobile. If you have more detailed inquiries regarding what is covered, get in touch with your provider.

Also Read: Can Someone Else Make A Claim On My Car Insurance?


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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Written by Amit Jain
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 Amit is an upcoming name in the motor industry be it new cars/ bikes or used ones. Amit in his last stint worked as a consultant for major Fortune 500 companies across the globe. In his free time, Amit likes to play cricket.

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