Hi.. If I lend my car to someone, who has a valid drivers licence, but no Insurance.. if the person does have an accident.. will I be liable for it?
2007-02-27 00:46:22 · 25 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Why would you lend your car to someone with no insurance?
2007-02-27 00:49:15 · answer #1 · answered by leedsmikey 6 · 2⤊ 2⤋
Hi, as you're on a UK site I take it you're in the UK; in which case there's some dangerously wrong advice on here. It is the DRIVER who is insured, not the car.
Therefore, your insurance, if it is fully comp, probably allows you to drive another car (not owned by you) with third party cover. It does not cover anyone else to drive your car, unless they have suitable cover of their own.
If the "person" you describe has an accident or is checked for some other reason, they will be liable to prosecution for driving without insurance.
The police will also ask you if you gave permission for this character to drive your car. If you say "Yes", you too are liable to prosecution for allowing it. If you say "No", the other person is liable to prosecution for theft or as it's commonly known TWOC.
In short, don't do it!
2007-02-27 03:32:44 · answer #2 · answered by champer 7 · 0⤊ 0⤋
Your insurance will cover them unless for some strange reason you policy specifically prohibits this.
If they are involved in an accident and it is there fault your insurance will cover it and it will work against you as a claim, but not an accident. Now with regards to no-fault States I have no clue how that works. Just check with your agent. I'm sure all is OK.
I loan my cars out to friends all the time who don't have insurance but a valid licenses (if they don't have a license or I don't trust them behind the wheel I'll drive them haha), if they really need transportation ie, job interviews etc. Whatever I can do to help someone. So far so good!
Take care hope I've helped.
2007-02-27 01:14:01 · answer #3 · answered by deanspurrier 3 · 0⤊ 1⤋
For the U.K
If they have a valid driving license and you are fully comp insured and they have your permission then have an accident then you will be liable.
If they have an accident and are not insured but the police can prove you knew then you could get into trouble too as it's illegal to drive with no insurance.
I think the Portuguese insurance is better, over there you insure the car and anyone can drive as long as they have a valid driving licence and the owners permission, \any accidents are down to the owner of the car.
2007-02-27 00:57:56 · answer #4 · answered by lola 5 · 0⤊ 1⤋
Don't do this. Simple as that.
But if you HAVE done it and they HAVE had an accident and it is their fault, then under the Road Traffic Act your insurance company will ultimately have to deal with the claim.
What they would do is pay out the third party's claim in full and then attempt to recover this money from the person driving your car by taking him to court.
People who state that it is the person insured and not the car are wrong.
2007-02-27 06:31:40 · answer #5 · answered by Anonymous · 0⤊ 0⤋
If you lend your car out to a person with a license who has no insurance, you will be liable for it. Well, your insurance will be liable. And most likely, your insurance company will add that person onto your policy as a driver.
2007-02-27 01:09:39 · answer #6 · answered by Rica 82 5 · 0⤊ 0⤋
Depends on the policy and depends what country you're in. In Australia for instance, it's the car that's insured, not the driver. Here in the UK, it's the driver, not the car. My policy doesn't allow anyone else (other than named drivers) to use my car and I'm not insured to drive other vehicles either (even though I've got fully comprehensive cover). The short answer is, check your policy.
2007-02-27 00:58:28 · answer #7 · answered by Away With The Fairies 7 · 0⤊ 0⤋
Your car insurance company will be liable for damages. You will get penalized for it until the person that you lent your car to get their own insurance. Then you have to show your insurance co. proof that the person has their own insurance and the charges will be dropped from your policy.
2007-02-27 03:49:20 · answer #8 · answered by NY1Krr 4 · 0⤊ 0⤋
if your car has full comp. insurance you will be liable for any claims made to your insurance but then comes the clause about age or restrictions this has to be looked at. you can also have their name added to your policy which could give you protection normally only a phone call away and maybe a £25 charge which you can have your mate pay if they are that desperate
if it is their policy then only third-party cover and you could loose your car
2007-02-27 01:14:07 · answer #9 · answered by tvtam1 2 · 0⤊ 0⤋
Yes because they are driving your car - the person who's car they crash into can claim on your insurance because the car is in your name under your insurance and then your premiums will go up and you will be liable to pay the excess. I know because it has happened to me.
2007-02-27 00:49:22 · answer #10 · answered by Anonymous · 0⤊ 0⤋
I don't think so, because YOU didn't cause the accident (though I'm happy to be corrected on this). But you'd be guilty of a criminal offence of "allowing a vehicle to be used on a public road without insurance", whether there was an accident or not. You're aiding and abetting a criminal act, in other words.
2007-02-27 06:10:34 · answer #11 · answered by Anonymous · 0⤊ 0⤋