My friend is going out

Posted: Sun Oct 05, 2008 03:13 pm Post Subject:

Not sure how the U.K. works but in the U.S., if you have the driver's permission to drive the vehicle, then you are covered. It might be a nice gesture on your part to offer to pay the insurance for the two months he is gone and you are using his car.

Posted: Sun Oct 05, 2008 03:18 pm Post Subject:

I'm hoping you don't live in the same household right now. If not, it should be fine but your friend needs to keep in mind that if you are in an accident it will probably be his insurance that needs to address the situation.

Posted: Mon Oct 06, 2008 04:44 pm Post Subject:

tscope...What do you mean you hope they do not live in the same household? Would this make a difference?

Posted: Mon Oct 06, 2008 05:15 pm Post Subject:

On the insurance application it will ask if there is anyone above a certain age (usually around 13) also living in the household. If yes, the insurance company usually requires that the person be added to the policy, excluded from the policy, or show that they have their own insurance. If the information on the application was incorrect and a claim is reported for the OP as the driver, the insurance company may go back to the application to make sure the information was correct. If it was not, they may rescind the policy and not pay the claim.

Posted: Tue Oct 07, 2008 01:34 pm Post Subject:

Hey I seen these forms before. I got one when my boy turned 16. I didn't return it (I know probaly bad idea) because I thought my rates would raise just for him being in the household. I never intended on getting him his license due to his lack of responsibility. He is now 19 and still lacks it so I am sure it was a good decision on my part. I also never intended to let him drive my car (kept it locked and keys hidden 24/7). He had no care to other peoples possessions and I wasn't letting him ruin my only mode of transportation.
Anyway thanks for explaining.

Posted: Tue Oct 07, 2008 02:45 pm Post Subject:

Hey I seen these forms before. I got one when my boy turned 16. I didn't return it (I know probaly bad idea)

Posted: Tue Oct 07, 2008 09:27 pm Post Subject:

Here I thought you were going to repremand me for not filling it out.

Posted: Thu Oct 09, 2008 12:27 am Post Subject:

If family members or friends borrow your car with your permission, then they are covered as long as they do not live in your household. If they live in the household and use any of the insured's vehicles, they need to be on the policy. If the family member (son/daughter) is away at college and they use your vehicle when home, they need to be on the policy or they will not be covered in the case of an accident.

Posted: Thu Oct 09, 2008 11:18 am Post Subject:

Wow I really have been learning a lot from this forum.. Now I am understanding why it is important to list everyone in the household. It is def. making sense to me now.