Car Insurance

[Gujar]

I don't have a car at the moment, and need to go somewhere tomorrow. A mate is lending me his car. Does anyone know if my insurance company will insure me on that car for one day, and what sort of cost i'm looking at?

[W63L35]

Originally Posted by Gujar I don't have a car at the moment, and need to go somewhere tomorrow. A mate is lending me his car. Does anyone know if my insurance company will insure me on that car for one day, and what sort of cost i'm looking at?

Do you live in USA?

[Gujar]

No, UK.

[W63L35]

Originally Posted by Gujar No, UK.

Sorry....can't help you then.
In USA, if I lend you my car.....you (and my car) are covered under my insurance. It is the car that is insured in USA - not the person driving the car.
Only problem is that if you get into accident driving my car and it is your fault, MY insurance rate will go up next year!

[MCMLXXXII]

Originally Posted by W63L35 Sorry....can't help you then. In USA, if I lend you my car.....you (and my car) are covered under my insurance. It is the car that is insured in USA - not the person driving the car. Only problem is that if you get into accident driving my car and it is your fault, MY insurance rate will go up next year!

At least in NJ, this only applies to people not in your household. If your father or brother or mother drives the car and they are not insured on it then it is not covered.

[W63L35]

Originally Posted by MCMLXXXII At least in NJ, this only applies to people not in your household. If your father or brother or mother drives the car and they are not insured on it then it is not covered.

Applies in most states......

[rahulrulezz]

Originally Posted by W63L35 Sorry....can't help you then. In USA, if I lend you my car.....you (and my car) are covered under my insurance. It is the car that is insured in USA - not the person driving the car. Only problem is that if you get into accident driving my car and it is your fault, MY insurance rate will go up next year!

At least in NJ, this only applies to people not in your household. If your father or brother or mother drives the car and they are not insured on it then it is not covered.

Ditto...Both rules are applied in Canada too

[Gunner786]

depends what sort of car it is

[Saj]

Have you checked with the owner of the car ? He may have any driver insurance meaning that you are covered under his policy and therefore you wont need to arrange your own insurance?

[foojam]

if u are covered by fully comp then u can drive his under 3rd party cover.