Myth 4: My insurance covers other drivers and I'm insured to drive other people's cars
This one is a bit tricky but generally if you hold your own car insurance policy, it won't cover you if you're driving someone else's car. You'd have to rely on the insurance policy for their car (if they have insurance).
If you're driving someone else's car, with their consent, and they are insured with Bingle, the owner of the car (i.e. the policy holder) can still lodge a claim even if you're2 involved in an at-fault accident3.
But, if you're a household member or regular driver and not listed on their policy, they may have to pay an extra excess.
The other thing to consider is the type of car insurance the policy holder has – for example, if you have Bingle Third Party Car Insurance, your insurance won't cover damage to your car (only other people's cars and property up to $20m). So, if you lend a friend your car and they hit a post at the shops, you may have to ask them to pay you for the damage to your car or you may have to pay for the damage yourself.