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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

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 2y 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 2y 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 2y 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 2y 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?

Kirby64 2y 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 2y 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 2y 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 2y 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?