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> one argument is that you shouldn't loan your vehicle to some one who is going to be breaking the law... but is that really the world we want to live in If yo

by Chris2048 3y ago

> one argument is that you shouldn't loan your vehicle to some one who is going to be breaking the law... but is that really the world we want to live in If you are talking about a car, then yes, that's the world I want to live in. Would they even be insured anyway?

ensignavenger 3y ago
You can get insurance that will cover you when driving some one elses car, and you can get insurance that covers some one else driving your car. Wether either of you have such insurance, is a good question to ask before lending your car to some one.
- Kirby64 3y ago
  By default most insurance policies (in the US, at least) cover incidental occasional use of drivers you permit to use your car that don’t actually live with you. They have to be licensed to drive, but that’s essentially the only restriction.
  - Chris2048 3y ago
    In Ireland/UK, I don't think they cover that at all - They are even a bit sketchy about named drivers. Insurance covering any vehicle tends to be rare b/c they are way more expensive, and usually vocational.
    - Kirby64 3y ago
      Interesting. Just a quirk of different regions then. In the US it’s essentially assumed that incidental use from friends and such is such a small usage that the insurance risk is minimal. To be clear, insurance for US vehicles typically only covers a specific named vehicle, although most policies have a few carve outs for specific purposes (eg, 30 days of grace period when you buy a car before adding it to a policy, as well as applying to any car you rent). If the owner of the vehicle doesn’t have insurance and you borrow it, then there presumably wouldn’t be any insurance coverage at all.
      - Chris2048 3y ago
        On the issue with named drivers: I had two cars, and tried to add a named driver (my partner) to one, but they wouldn't let me. I assume the issue is they thought it likely the ND was the real primary driver, and that I was simply trying to lower their premiums since theirs was higher. I suspect there's a similar issue with F&F. The cost of insurance is based on you personally, and if they allow NDs, or friends to drive, it's an unknown risk as they can't really tell how much you will actually use the car. Also, I don't know how much insurance differs between US and EU. IMHO, Irish car insurance is expensive. perhaps due to lenient courts?

ensignavenger 3y ago

You can get insurance that will cover you when driving some one elses car, and you can get insurance that covers some one else driving your car. Wether either of you have such insurance, is a good question to ask before lending your car to some one.

Kirby64 3y ago
By default most insurance policies (in the US, at least) cover incidental occasional use of drivers you permit to use your car that don’t actually live with you. They have to be licensed to drive, but that’s essentially the only restriction.
- Chris2048 3y ago
  In Ireland/UK, I don't think they cover that at all - They are even a bit sketchy about named drivers. Insurance covering any vehicle tends to be rare b/c they are way more expensive, and usually vocational.
  - Kirby64 3y ago
    Interesting. Just a quirk of different regions then. In the US it’s essentially assumed that incidental use from friends and such is such a small usage that the insurance risk is minimal. To be clear, insurance for US vehicles typically only covers a specific named vehicle, although most policies have a few carve outs for specific purposes (eg, 30 days of grace period when you buy a car before adding it to a policy, as well as applying to any car you rent). If the owner of the vehicle doesn’t have insurance and you borrow it, then there presumably wouldn’t be any insurance coverage at all.
    - Chris2048 3y ago
      On the issue with named drivers: I had two cars, and tried to add a named driver (my partner) to one, but they wouldn't let me. I assume the issue is they thought it likely the ND was the real primary driver, and that I was simply trying to lower their premiums since theirs was higher. I suspect there's a similar issue with F&F. The cost of insurance is based on you personally, and if they allow NDs, or friends to drive, it's an unknown risk as they can't really tell how much you will actually use the car. Also, I don't know how much insurance differs between US and EU. IMHO, Irish car insurance is expensive. perhaps due to lenient courts?