Will Insurance Pay If The Driver Is Not On The Policy?

Can a non insured driver drive my car?

Driving without insurance – your FAQs answered.

There’s no excuse for driving without valid car insurance – it’s illegal.

Even if the vehicle itself is insured, you can still be penalised if you’re not correctly insured to drive it..

Can I add an unlicensed driver to my policy?

If you don’t have a license, you can’t provide that number — and insuring an unlicensed driver makes car insurance companies nervous. … Instead of including your own driver’s license number, some companies may allow you to apply for a policy using the name and license number of the principal driver or primary driver.

What happens when someone takes your car without permission?

In the eyes of the law it makes no difference if the vehicle that is taken without permission is a family car. This will still be classed as theft and the police will try to prosecute. Taking a family or friend’s vehicle without consent can mean a court case and a criminal record.

Is it bad to let someone else drive your car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that’d be covering the damages if they were at-fault in an accident while driving your vehicle.

Does full coverage cover drivers not on policy?

As long as a driver has the vehicle owner’s permission to operate the vehicle, the owner’s policy will provide coverage no matter who the driver is. The vehicle owner’s policy should cover injuries and property damage.

What happens when you let someone else drive your car?

If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.