‘Permissive Drive’ rules are applicable in such instances. According to Indian motor tariff, anyone can drive your car under the permitted laws. Hence, don’t worry before lending your car to your friends or family members. You can make a claim with your motor insurance company even when your friend crashes the car.

What if I let someone borrow my car?

When you allow a friend, family member or babysitter to borrow your vehicle, your insurance takes primary coverage. Even if the person borrowing your car has the best coverage available, your insurance covers your vehicle. The borrower’s insurance could potentially provide backup coverage in certain situations.

Can a person drive your car if they don’t live with you?

This means the driver is listed on your insurance because they live with you, but they are excluded from coverage. This can be very risky because your car will not be covered for any damages if the excluded driver were to ever need to drive your car, even if they were just moving your car from the street to your driveway.

Who is insured to drive my car, or the vehicle itself?

Julius Mansa is a finance, operations, and business analysis professional with over 14 years of experience improving financial and operations processes at start-up, small, and medium-sized companies. If you’ve considered loaning your car to someone, you may be wondering: Does car insurance cover the driver of the vehicle, or the vehicle itself?

Can a friend drive my car without insurance?

Adding your friend as a driver to your policy could raise your rates considerably, due to their bad driving record, so you try to get around it by not adding them to your insurance as a driver. 2  However, you are taking a gamble in allowing someone living in your household to drive your car without listing them as a driver.

Can a family member drive a car with Esurance?

Esurance states the permissive use provision will cover any dependent children, a family member who lives with you, or any driver as long as they have your permission to use the vehicle. However, permissive drivers will have reduced coverage in some states.