Insurance Lending Someone a Car

marieholmfan

Hi Guys,

I have two questions about car insurance

If I lend a car to my sister in law and my insurance says that liability is covered for
Any person driving whose driving is covered

Is it correct to say that this means that as long as she has a car insurance policy in her name she can drive my car?

My brother in law is a named driver on my sister in laws policy BUT he has his own insurance BUT this is on a van and the insurance is light commercial.

Is my brother in law OK to drive?


Thanks

Stheno

You'd need to check with your insurance company tbh

Gumbo

Commercial and private policies cannot overlap. ie. The option that allows private policy holders to drive other privat cars doesn't occur in the commercial insurance market in Ireland. There are no companies that allow a commercial policy holder to drive a private car unless they are named in that private policy or if it has open drive.

May be safer to allow the sister to drive your car.

Special Circumstances

Stheno wrote: »

You'd need to check with your insurance company tbh

This.

For what it's worth marieh I think you have taken a snippet of the conditions and interpreted it incorrectly - based on any policy that I've seen.

Engine No.9

Only so long as your sister in law has a full Irish driving license. If she has a provisional, then she's not covered.

To Elland Back

Liability for a person whose driving is covered is not the same thing as covering them as a driver under your policy. What does your cert say under the section "Drivers or class of drivers, whose driving is covered"?

She must have driving of other cars under her policy for hers to be valid. Having her own policy is no guarantee she has that extension

Guy:Incognito

What does it say under "any person driving whose driving is covered"? It usually lists said drivers. ie it will have your name as policy holder, names of anyone thats named on it, it'll mention people in the motor trade carrying out repairs, other things like open drive etc.
If your sister in law doesn't fit one of the criteria listed there then its down to whether her policy covers her to drive your car.

slimjimmc

Generally the only ways your sister can drive your car are if:

• your sister has her own policy and it has "driving other cars" extension (her policy pays for claims, often damage to your car is not covered). Don't take her word on it, check her policy schedule.
• you have your sister specifically named on your policy (you pay for claims).
  or
• you have "open drive" extension on your policy (you pay for claims)

Even if the above policy extensions are in place there certain limitations which might mean she's not covered. e.g. max engine size, no vehicles with blanked windows, minimum age, no learner permits, etc.
If in doubt get your insurer to clarify.

marieholmfan

Thanks guys. will call tomorrow.

K.Flyer

marieholmfan wrote: »

Hi Guys,

I have two questions about car insurance

If I lend a car to my sister in law and my insurance says that liability is covered for
Any person driving whose driving is covered

Is it correct to say that this means that as long as she has a car insurance policy in her name she can drive my car?

My brother in law is a named driver on my sister in laws policy BUT he has his own insurance BUT this is on a van and the insurance is light commercial.

Is my brother in law OK to drive?


Thanks

How long are you giving them the car for?
As you are giving a lend of your vehicle to them for their convenience, I would think it would be a far better and safer option (for you anyway) if they contact their own insurance company and do a temporary change of cover for their policy to cover your car, ensuring it's fully comp cover.
Would this not be a safer way incase anything was to happen, then their policy would cover the losses.

marieholmfan

K.Flyer wrote: »

How long are you giving them the car for?
As you are giving a lend of your vehicle to them for their convenience, I would think it would be a far better and safer option (for you anyway) if they contact their own insurance company and do a temporary change of cover for their policy to cover your car, ensuring it's fully comp cover.
Would this not be a safer way incase anything was to happen, then their policy would cover the losses.

Yes that is the best idea. I will get her to d
Thankso that.

jamesbondings

Also if it is a very short time you can add her to your policy for a small fee.

Got my brother insured on the girlfriends car for 2 or 3 days for 50 euro i think. Moving house is a hassle!

K.Flyer

jamesbondings wrote: »

Also if it is a very short time you can add her to your policy for a small fee. [...]

The problem with this is, if unfortunately due to her fault the car is damaged, or a third parties car, the O.P.s insurance will have to fork out, which will affect the O.P.s no claims and may cause problems for him / her getting insurance in the future.
Let the sister take the risks with her own policy.

jamesbondings

this is true, we only had a matchbox of a car so if it was damaged, no harm and we trusted him not to damage anyone else! up to the op