Can someone else drive my car if I am fully comp?
Having fully comp insurance on your own vehicle doesn’t mean that you’re fully comp on someone else’s.
If your insurance provider does allow you to drive a different vehicle, it’s likely that they will only provide third party cover as a maximum..
Should you let someone borrow your car?
Although you should check your individual policy, most of the time you can let someone drive your car and still have coverage. As long as you give the person permission, and they only drive the car occasionally, there shouldn’t be an issue. Accidents, however, are unpredictable and can happen anytime.
What happens when someone takes your car without permission?
In the eyes of the law it makes no difference if the vehicle that is taken without permission is a family car. This will still be classed as theft and the police will try to prosecute. Taking a family or friend’s vehicle without consent can mean a court case and a criminal record.
What happens when you let someone else drive your car?
If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.