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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

• 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?