How can I get insurance for driving someone else’s car?
My car has unfortunately broken down and I’m in the process of removing it from my insurance. I do have full coverage for my sons’ cars, but they’re not mine.
I’ll be using my sister’s 2003 spare car for the next 5-6 months.
What’s the best way to ensure I’m covered while driving her car, considering I’m not purchasing it?
Thanks! 👍
To insure yourself while driving your sister’s car, you have a few options:
Check Existing Coverage: First, check if your sister’s car insurance covers occasional drivers. Many policies extend liability coverage to family members or individuals who have permission to use the vehicle.
Contact Your Insurance Provider: If you have a personal auto insurance policy, contact your insurer to ask if you can add coverage for driving your sister’s car. They might be able to include it temporarily under your existing policy.
Non-Owner Car Insurance: Consider getting a non-owner car insurance policy, which provides liability coverage when driving vehicles you don’t own. This is a good option if you need coverage for an extended period.
Temporary Coverage: Some insurance companies offer temporary car insurance policies that can cover you for a short period. This may be a good solution for the next 5-6 months you’ll be driving your sister’s vehicle.
Encourage Your Sister to Add You: If your sister is comfortable, she could add you as an authorized driver on her insurance policy. This way, you would be covered while driving her car.
Make sure to have a discussion with your sister about insurance and check the specifics with your insurance company to ensure you have the proper coverage. Safe driving!