My car is insured under my name, but it hasn't been insured under my brother's name; he keeps borrowing it..?

Question

...for local driving. If he gets caught driving without insurance, will I get in trouble, or would it be just him?

Answer 1

if he has a car hemay be coverd if he drives yours,if not then you are both braking the law...if he gets pulled ,he gets done for no insurance,you also get done for allowing him to drive uninsured....

only for you to get out of it is to say he took the car without the owners consent[called TWOC]..then only he gets done...

tell him to p'off and get his own car....

Answer 2

The vehicle is insured so he won't get caught with driving without insurance, however if he is involved in a collision then it could affect your insurance rates if he is determined at fault.

This is why I NEVER let family with the exception of my father drive my car when I lived at home.  

Answer 3

NO the car has insurance there's no problem there! But if he gets into a car crash and totals the car or anything that might happen if he's in the driver seat your insurance will not help you cause he's not in the insurance policy! So think twice before lending him your car!

Answer 4

You would have a choice.

Either you get done for Aiding and Abetting which carries a fine and points.

Or say your brother took the car without your consent. You are in the clear but he gets nicked for Taking and Driving Away (which can mean a custodial sentence). Plus he won't be very pleased with you!

Either way, your brother will be had for Driving Without Insurance.

Answer 5

He has insurance under most policies. As long as he has a driver's license and your permission.

Make sure he knows where your License and Registration are just in case he gets pulled over.

Answer 6

you can add him to your insurance. depending on his age, your insurance may be cheaper.

Answer 7

If he has his own car then his insurance might cover him for 3rd party only. If that isn't the case and he regularly "borrows" it then you either have to get him listed on the insurance, or else put the keys where he won't find them. One borrow you might get away with, regular use and you will both get done for insurance crimes

Answer 8

He needs to be a named driver on your policy unless he has a policy of his own he might be covered by that but that's usually 3rd party only which means only the other party vehicle is covered and not yours.  

Answer 9

depends on the company. ring them and ask

Answer 10

Both. He will be fined & get points for driving without insurance, the police will also prosecute you for allowing him to use it unless you are willing to charge him with 'taking without consent' - an offence which theoretically could result in a jail sentence.

Trust me, it happened to me years ago - you don't want to be doing it.

Answer 11

Ignore the idiots who say that if the car's insured he's insured.  He isn't. Unless there is insurance in place for him to drive your car, he is committing an offence. So are you if you permit it. If you say you didn't permit it, he will also be done for theft of the car.  The car may well also be seized.

If you want him to be able to drive it, arrange for his name to be added to your insurance.  It will cost extra.

Answer 12

My suggestion is trying to get as much resource as you can before making final decision,here is a good one.http://car-insurance.bestips.info/car-in...

Answer 13

you have to have him as a named driver or...you are aiding & abetting a crime & he will be in big trouble if he is caught.  not worth it...doesn't cost much to add him to your insurance.

Answer 14

Illegal if you are only insured for you to drive, but if the other person has insurance in their own right, they will only be covered for third party, fire and theft whilst driving your car.  check if he has car insurance, other wise you will be responsible for aiding and abetting him,  

Answer 15

SORRY FOR YELLING...BUT...LOOK AT YOUR POLICY..OR ASK AGENT...ALL POLICY'S ARE DIFFERENT..READ IT...SOME JUST THE INSURED CAN DRIVE...OTHERS COVER ANYONE.. don't wait for accident...most policy's require all licensed drivers in household to be listed...some cheap policy'ss you only can drive...and BTW  hes not borrowing it,,,,you are lending it....big difference, in wreck

Answer 16

You should ring up yr Insurance company, to ascertain who is allowed to drive your car.

If he isn`t covered, you would both get in trouble as you are both aware he is not covered....or should be  - ignorance is no excuse in the eyes of the law.

Answer 17

If you live in the same household, he typically has to be listed on your policy to be covered.  If he lives elsewhere and you give him permission he is probably covered by your policy.  If he is liable for a wreck that exceeds any insurance, they can come after both the driver and owner for payment.  So make sure you have proper and enough coverage to protect yourself.

Answer 18

Ring up your insurance company and check, in the meantime, hide your car keys.

Answer 19

If your insurance states that others can drive it with your permission or he has insurance for another car that allows him to drive other vehicles then you will be ok, although it will probably be only third party. Remember if the car is in your name its your responsibility.

Answer 20

if he says that u let him borrow the car then u will get in trouble too, if he tells the police that he took it without ur consent its just him in troiuble