What happens if you lend your car to someone who is uninsured?

May 29th, 2013 in Car Safety


I regularly hear stories about people who have lent their car to a friend or family member for a short amount of time not realising the consequences if the person was caught driving their car uninsured.

It is not unusual for someone to ask to borrow another person’s car for a few hours if they need to run a few errands. It is also not unusual for someone to ask their friend/family member to take over the wheel if they are feeling tired whilst driving a long distance.  

There were a number of occasions when I used to drive to and from Leeds university that I was feeling tired and wished I had got my boyfriend insured on my car so that he could have taken over driving for a couple of hours. I never allowed him to drive because I knew what the consequences were.

Driving a vehicle on a road or in a public place without at least 3rd party insurance is illegal. 

Even if the vehicle its self is insured, if the person you have lent your car to is not correctly insured to drive it, you will be penalised.

If you are caught driving a car that you are not insured to drive, the police could give you a penalty of £200 and 6 penalty points. If you get taken to court you could get a maximum fine of £5,000 and be disqualified from driving. It is also possible to have your car seized and destroyed.

If you want to lend your car to someone, or have someone take over a long distance drive, all you need is temporary cover.

Tempcover.com offers a really quick and easy service to provide you with temporary car insurance. You can choose from a one day car insurance, temporary car insurance, daily car insurance for your own vehicle, daily insurance for someone else’s vehicle, pay as you go insurance and also immediate temporary car insurance. I filled out the form to see how much it would cost for my boyfriend to have insurance on my car for a day. He is 24 years old, holds a Full UK drivers licence, is a permanent UK resident and has had his licence for 5+ years. To insure him on my car it would be £36 from Haven Insurance. I tried a few other comparison sites but Temp Cover really was the easiest and quickest to use.

Whatever you do, just make sure you never lend your car to anyone, even for just a few hours, unless they are insured on your vehicle.