A friend borrowed my car and had an accident — which insurance policy deals with the claim?
What should you do?
- Do not assume 'fully comprehensive' means a friend can drive your car.
- Obtain details of every policy that might cover the driver.
- Notify your own insurer because your vehicle is involved.
- Let the insurers establish which cover responds to each part of the loss.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
Driving-other-cars extensions can be limited, often to third-party cover, and are not included in every policy.
Do not assume your friend was covered simply because they have comprehensive insurance of their own. Named-driver, driving-other-cars and temporary cover can work differently, so check the exact policy that applied when the accident happened.
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