20th November 2020
Am I insured to drive someone else's car?
Chances are, at some point you've been asked or offered to drive someone else's car. Maybe your housemate or someone you're dating says it's fine for you to borrow their car occasionally. Or you're at your parents' place, and they've asked if you can duck out to the shops to pick something up in the family car. Or perhaps (terrifyingly) your boss has asked you to duck out in their car to pick something up.
But what happens if you get into an accident that's your fault while driving a car that's not yours? Well, with Bingle, the owner of the car (i.e. the car insurance policy holder) can still lodge a claim. But, if you're not a listed driver, they may have to pay an extra excess, in addition to the standard excess. See PDS for full details, eligibility, inclusions and exclusions.
So, if you're tempted to borrow the car of someone you live with, but you're not on their policy, keep in mind that if they end up needing to lodge a claim, the insurance excess payment might be significant. You can avoid an unlisted driver excess by being listed as a driver on their policy. Depending on your age, gender, driving history and other factors, this may impact the cost of their policy. Of course, it's up to the policy holder/car owner what they'd like to do in this scenario.
Something else to know - if you hold your own Bingle car insurance policy for your own car, it won't cover you if you're driving someone else's car. You'd have to rely on their insurance policy (if they have one).