Is my sister insured to drive any ones car? If so is it expensive?

Question

my mum and myself are both insured to drive her car, shes on motorbility. my sister drives it now and then. But she has her own car. I think shes driving illeagly My mum thinks my sisters car insures her to drive anyones car is that right?

Answer 1

Insurance follows the vehicle. Anyone may drive the car with the owner's permission unless they are excluded by the language of the policy (common exclusions include under or over a certain age, household member not named on the policy, or named as an excluded driver, etc.)

If you are the primary policyholder, your insurance MAY be excess to the existing coverage when you drive someone else's car; read your policy or check with your insurance agent/company to be sure.

Answer 2

Check with the people who wrote the policy. In the US, the insurance usually follows the car and not the driver unless you have a specific exclusion--- your mum's car insurance insures everyone who drives it unless the policy specifically says your sister is not covered. But different companies do things different ways and different policies will have different stipulations.

Answer 3

When you pay for car insurance it generally covers any car you drive. It also covers the particular car you put on the policy when someone else is driving.

(Although the fact that you used the word mum makes me think you live in the UK someplace, so, if that's the case, things may be different there.)

Answer 4

I know here in the states, the insurance follows the car, not the person. Meaning, since I have insurance on my car then my boyfriend could drive it & we would be ok if something happened to it. But since he has no insurance on his car, even though I do, I won't drive his because if something happens we are screwed! Check with your local agency-they should help you!

Answer 5

Each car is insured individually for damages to that car but as long as you have an insured car then you can drive any insured car whether it belongs to a family member, friend or car rental company.

Answer 6

not something will ensue, we've assurance on all of our vehicle,there insured under my call & spouse's call,my son is 17 years previous and he drives considered one of our automobiles that's insured in our call, the guidelines states that the vehicle could desire to be insured ,not each guy or woman that drives it. The police opt for do something to you has long because of the fact the vehicle is insured. in the experience that your a responsibly driving force ,i don't see any reason your mothers and dads could desire to provide help to rigidity.

Answer 7

My insurance company insures me for whatever I drive, my cars, rentals, parent's car, and such. It depends on what are the terms of the policy.

Answer 8

Her insurance has to be fully comp, and say on it that with the owners permission she can drive any car 3rd party as long as it is insured.

Answer 9

Depends on where you live. In NY, if you have car insurance, you're apparently allowed to drive any one's car. Check her policy.

Answer 10

Only if her insurance policy says so.