Can I drive my parents car without insurance UK?
Asked by: Prof. Bill Gottlieb | Last update: December 14, 2025Score: 4.5/5 (8 votes)
Do I need insurance if I'm driving my parents' car?
You will be required to have your own auto insurance if you are not covered under your parent's policy, while living under the same roof to legally drive with coverage. Paying a fortune for my two college age kids to be on my auto policy.
Can my daughter drive my car if she is not on my insurance?
This is known as ``permissive use''. Your insurance will cover a driver, even if they are not listed on the policy, if you grant them permission to use the vehicle.
Can I give permission for someone to drive my car?
Sure, You can let anyone drive your car if you wish. You do not need your insurance company permission to let a person drive your car.
Can I let my dad drive my car?
Your car insurance typically will cover other drivers operating your vehicle if they're listed on the policy. This may include your spouse or significant other, your parents, your siblings or your children. It also may include other household members.
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Can my wife drive my car if she's not on my insurance?
A driver who lives in your household and isn't listed on your auto policy may be denied coverage if they borrow your vehicle and are involved in an accident. Family members who live in your household and drive your vehicle, including a teenager or your significant other, should be listed as drivers on your policy.
Can my dad rent a car and I drive it?
Any additional authorized drivers must appear at time of rental and meet age and driver's license requirements. An additional charge of $15.00 per day for each additional authorized driver will be added to the cost of the rental, unless other contractual conditions apply.
How does insurance work if you borrow someone's car?
Generally, insurance coverage follows the vehicle rather than the driver. So in most instances, as long as the owner of the car has insurance, it's covered even if someone other than the owner is driving it — as long as they have the owner's permission.
Can someone drive my car if they are not on my insurance Progressive?
If you give someone outside your household permission to drive and borrow your car (also referred to as "permissive use") and they aren't rated on your policy, any accident they're involved in may be covered by your insurer, depending on your state and insurer.
What happens if a driver is not listed on an insurance policy?
You regularly allow a family member or friend to drive your car, but they aren't named on your auto policy. If this person gets in an accident while driving your car, your insurance company will likely deny your claim, leaving you liable for the damages.
What happens if you don't add a driver to your insurance?
If someone in your household, who is unknown to your insurance company, gets in an accident, your insurer might rescind or cancel your policy and/or deny your insurance claim because they've been kept in the dark.
What happens if someone borrows your car and gets in an accident?
Vehicle Owners Are Liable Under California Law
This law holds a vehicle's owner responsible for collisions caused by the driver of the vehicle – even if the driver is not the owner. Liability is determined by identifying the actual owner of the vehicle.
Does it matter whose name is on the car?
Yes, the name on a car title can impact insurance coverage. Insurance companies usually require the policyholder to have an insurable interest in the vehicle, meaning they either own the car or have a significant financial interest in it.
Does it cost money to add a driver to insurance?
According to CarInsurance.com, there is usually no charge for adding a driver to your insurance policy. The Automobile Association notes that some insurers charge a small administration fee to update policies. You may also find your premiums change.
What is permissive use car insurance?
Permissive use in an automobile insurance policy means that you give a person—who is not specifically covered by name or as a household member—permission to drive your car. For example, if you allow a friend to borrow your car, that is permissive use.
Does my name have to be on the car insurance to drive it?
Borrowing a car from a friend or family member
In many cases, you will be covered by their insurance, even if you are not named as a regular driver on the policy.
Can you let someone who is not on your insurance drive your car?
Permissive use
Most car insurance policies will cover drivers you've listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, if they had your permission to drive your vehicle.
Does car insurance follow the car or the driver?
The Insurance Policy Follows the Car and Not the Driver
Under California law, in most instances, the insurance policy attaches to the car itself. If someone was driving your car, it would be your insurance policy that paid for the damages. However, that does not mean that you should assume that the driver is covered.
What happens if someone else is driving my car and gets in an accident in NY?
NY Car Insurance Follows the Car
In New York, your car insurance coverage includes coverage for other drivers of your vehicle—following the car rather than the driver. This applies to collision, uninsured motorist protection, comprehensive, personal injury protection (PIP), and property damage liability insurance.
Can my son drive my car if he doesn't live with me?
If your son doesn't live with you but needs to borrow your car, he can do so with your permission. It is known as permissive use, which means that when someone who doesn't live with you gets permission to borrow your car, they are also “borrowing” your auto insurance coverage.
Can I lend my car to a family member?
As we've seen, often someone else can drive your car if you give permission and still be covered by your car insurance. In essence, you're allowing them to borrow car insurance. The insurance company usually allows your coverage to follow the car, but some exceptions to this exist.
Can someone drive my car if they are not on my insurance Geico?
Some states require the car owner's insurance to cover any accidental damage, so if they're not insured or don't have the right coverage, as the driver you may end up being liable.
Do police know who is driving a rental car?
The police will get the owner through ANPR. If the car was used in a bank robbery, they will contact the owner, who will have the name and details of the person who had it at that time. But on the side of the road, the cop can't know who the rental agency rented it to, unless he calls them.
Can I drive a rental car if it's not in my name?
While you can't rent a car in your name for someone else, you can rent a vehicle and then add someone else as an additional driver on the agreement. Here's everything you need to know about adding an additional driver to your Hertz car rental.
What happens if someone else drives your rental car and gets in an accident?
When someone is driving a rental car, the rental company assumes that their name is on the contract. If an unauthorized driver is in control of the vehicle, all insurance plans or coverage options offered by the rental company are null and void. The unauthorized driver's insurance will be used to pay for all damages.