Driving Someone Elses Car

[Biccylova]

when my 52yr old daughter is here on holiday can she drive my car legally with my permission? she is a fully insured driver but wants to come down from Scotland by train but may need a car on occasions.

[shoota]

You need to check your policy, there are no hard and fast conditions, each policy may differ.

[Baldric]

Put her on your policy as a named driver.

[furrypusscat]

She should check her own insurance policy, it will state if she can drive another persons car with their permission but will only be insured 3rd party fire and theft whilst driving another car. As already stated you could put her as a named driver on your policy and I believe she will have the same cover as yourself.

[New Judge]

"...it will state if she can drive another persons car with their permission but will only be insured 3rd party fire and theft whilst driving another car."

Almost certainly third party only. Insurers are not going to cover vehicles they nothing about against fire or theft.

[Buenchico]

If you add your daughter to your policy as 'named driver' then, fairly obviously, she'll be covered under your insurance policy. (Adding a named driver usually doesn't cost much. Under some circumstances it can actually result in a reduction in the cost of a policy).

Otherwise though your daughter will need to read the fine print in her own policy. At one time all 'fully comp' policies (and quite a few others too) automatically included '3rd party only' cover for driving someone else's car with their permission (subject to certain exclusions, which aren't relevant here anyway). However, in an attempt to cut costs, many insurers decided to remove such cover from their policies, so it's now a case of 'some do and some don't'. [I insure my car through Post Office Insurance, accepting the cheapest deal they can offer. At the moment I'm covered to drive someone else's car but the previous policy I had through Post Office Insurance didn't provide such cover].

Remember that, even if your daughter's policy allows her to drive your car, the cover will be '3rd party only. (So nobody will pay out if she prangs your car). If you add her name to your own policy though then (assuming the policy is 'fully comp') your insurer will pay out if your daughter damages your car.

[Buenchico]

Hang on a moment though . . .

How can you have a 52yo daughter, Biccylova, when we all know that you're only 21?

;-)

[TonyV]

Chris most ladies are always 21. But back to insurance get her added to your own policy, will be some admin charge.

[Biccylova]

thanks everyone, a great help as always,beware Buenchico flattery may get you where you don't want to go, I also have older children.

[Peter Pedant]

likely to be third party fire and theft
and it is dependent on HER insurance cover