Lending someone a car and insurance

[illmonkey]

I am lending someone my car for a week or so, they're taking it on holiday.

Now, I think that if I just add them to my policy and they have a crash I will have to declare an accident and my premium will go up.

So, is it possible for them to just add it to their own policy for the week as a tempory car, I can inform my insurer to put a hold on my own policy for the duration.

What is the best solution?

[barker22]

Just get them to take a temporary policy out on the car for a week, make sure you see it before handing over. Leave yours as it is.

[illmonkey]

barker22 said:

Just get them to take a temporary policy out on the car for a week, make sure you see it before handing over. Leave yours as it is.

I was under the impression that a car can't be insured twice.

[R1 Indy]

Yes you can insure it twice, what you can't do it claim twice!

My insurer (admiral) will let me add a second car onto my policy for up to 4 weeks.

[Astra Dan]

Tempcover and dayinsure are just for this purpose.

[illmonkey]

Ah, I'm confused them.


Sounds easy, I'll get him to take out temp cover. Sorted.

[cuprabob]

If they have car insurance, they may be able to drive it 3rd party under their own insurance policy

[E30M3SE]

cuprabob said:

If they have car insurance, they may be able to drive it 3rd party under their own insurance policy

That is not really of any use to the OP.

[cuprabob]

E30M3SE said:

That is not really of any use to the OP.

just says they are lending them their car to go on holiday. Doesn't say that they don't have a car of their own. They could be borrowing a larger car for the holiday.

[E30M3SE]

cuprabob said:

E30M3SE said:

That is not really of any use to the OP.

just says they are lending them their car to go on holiday. Doesn't say that they don't have a car of their own. They could be borrowing a larger car for the holiday.

That is all well and good, but what happens if the borrower has an at fault accident in the OP's car which deems the car a write-off?

[cuprabob]

E30M3SE said:

That is all well and good, but what happens if the borrower has an at fault accident in the OP's car which deems the car a write-off?

I appreciate what you're saying and you're right but it was just an option I was putting forward that the OP may have not been aware of. Car may not be worth much?

[catman]

Best all round if your friend insures your car. If they don't want to do this, then you know in advance what will happen if they smash it up.

Tim

[Zoobeef]

If they have a crash why, when asked 'have YOU had and accidents' would you need to say yes? Its their accident and therefore they say yes. Nothing to do with you even though your the main driver on the policy docs

[illmonkey]

I just phoned up to add a their car (we're swapping cars) to my policy and I was told that I can't as its already insured.

The only way to do it is to add the person I'm lending to, to my own policy. The guy even said those temporary covers won't be valid...

[NotDave]

Intrigued by this one too as wish to loan my parents one of mine for a week, then a while later lend it to the FIL (professional hgv driver)

Won't be using theirs, just want them legal

[GoneAnon]

illmonkey said:

I just phoned up to add a their car (we're swapping cars) to my policy and I was told that I can't as its already insured.

The only way to do it is to add the person I'm lending to, to my own policy. The guy even said those temporary covers won't be valid...

Doesn't sound right. I'm sure I've added a courtesy car to my policy for the day, though I can't remember if that was on the company policy or my own, in case that makes a difference.

[anonymous-user]

illmonkey said:

I just phoned up to add a their car (we're swapping cars) to my policy and I was told that I can't as its already insured.

The only way to do it is to add the person I'm lending to, to my own policy. The guy even said those temporary covers won't be valid...

That's news to me - and Privelege - as I've insured myself on my friend's van for the day several times, and his van is already insured for his daily use.

Similarly, a friend broke his leg and borrowed my auto for a while, which was fuilly insured by me. He got temporary 1 month cover for it.

I think the insurance companies make it up as they go along...!

[NotDave]

That's a point, I'm sure them temp cover tv adverts use "borrowing a mates van" as an example!

[illmonkey]

NotDave said:

That's a point, I'm sure them temp cover tv adverts use "borrowing a mates van" as an example!

They'd have very little to advertise for if all they could say was "borrow an uninsured car". They could just be bending the truth.

"Borrow a mates van*"




* It must be uninsured....

[fireturk]

you must be able to get temp short term cover, how else would courtesy car insurance work?