Question: Can You Insure A Car So Anyone Can Drive It?

Do you have to insure a car if it’s on the drive?

The law says that you must normally have at least third party motor insurance if you drive or own a vehicle.

You must also have insurance if you leave it parked on the street, on your driveway or in your garage.

You don’t need motor insurance if: you have a valid Statutory Off Road Notification (SORN).

How does insurance work if you borrow a car?

The general (general — not exhaustive!) rule of thumb is that car insurance follows the car, not the driver. Therefore, if you borrow a friend’s car, you would be covered under that friend’s car insurance policy up to the policy limits they chose.

Can you be denied car insurance?

NON-DISCLOSURE You are under a duty to disclose relevant information when you take out an insurance policy, or when you renew it. If you did not provide accurate or comprehensive information at the relevant time, the insurer may be able to reject your claim.

What happens if you don’t Sorn your car?

Registering a SORN means the car’s owner can avoid paying vehicle tax. You cannot just stop paying tax. Motorists can be fined £80 for failing to tax a car if it hasn’t been registered with a SORN. While this fine can be reduced on appeal, it can also increase up to £1,000 in a court settlement if left unpaid.

Can I drive a friends car without insurance?

No insurance? Don’t drive! If your friend does not have insurance, do not drive the car! If you are involved in a collision or pulled over for any reason, you will be held responsible, and quite possibly charged with driving an uninsured vehicle.

Can my son drive my car if he is not insured?

If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy. The reason is that car insurance follows the car, not the motorist. This fact has ramifications for you as the owner of the insured car.

Will my insurance cover if I let someone drive my car?

For someone else to be covered while driving your vehicle, they need to be on your policy as a listed driver. It’s always best to read over your Certificate of Insurance (COI) and the relevant Product Disclosure Statement (PDS) so you know exactly where your coverage extends to.

Can anyone drive my car if I’m fully comp?

Can I drive another car with comprehensive insurance? … 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.

What happens if someone borrows your car and has an accident?

When someone borrows your car and has an accident, any claims for damages by other parties are made against your insurance policy. The accident goes against your record and could lead to higher auto insurance premiums.

Why you shouldn’t let someone drive your car?

They could lose control of your vehicle and collide with another vehicle. That could put you on the hook to cover the damages. Although you may trust your friend, you shouldn’t risk your car and your insurance coverage by allowing them to drive your vehicle.

Who is liable driver or owner?

An owner can be liable if the driver was an ‘agent’ of the owner. This is sometimes called ‘vicariou​s liability’. A person may be an agent of the owner if: ​​the owner asks the driver to drive their car for the owner’s purpose.

Is it a bad idea to let someone borrow your car?

People who often borrow your car might not be covered — because a regular driver of your car should be listed on your policy. … To avoid this, consider listing on your policy any non-household members who occasionally borrow your car. If friends don’t have their own insurance, they could buy non-owner auto insurance.

Can you put insurance on a car you don’t own?

In some states it’s known as Compulsory Third Party Insurance (CTP). In New South Wales it is called a Green Slip. … It is illegal to drive a vehicle that does not have this form of insurance.