Someone else was driving my car without my permission when it was damaged — am I still covered?
What should you do?
- Report genuine theft or unauthorised taking to the police.
- Tell the insurer exactly who had permission to use the car and who did not.
- Do not describe a permitted driver as unauthorised simply because you regret lending the car.
- Keep police and recovery information.
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.
The insurer will consider the policy terms and the real circumstances of the vehicle's use.
Tell the insurer exactly how the other person came to have the car and whether permission was given. Cover for damage to your vehicle and any third-party liabilities can depend on the circumstances and the policy terms.
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