To not want DP's friend to drive my car?

(111 Posts)
MummySparkle Thu 21-Apr-16 22:35:10

DP and his friend are going on a sporting weekend and leaving tomorrow. They are taking my car as it's much more practical for a 5hr drive each way. Last time they went on a day trip in my car DP let his friend drive for a little bit.

Friend is insured through his work as a mechanic, however does not have his own car insurance policy. He is also too young to be covered as 3rd party on any car as part of an insurance policy. He is a perfectly competent driver though.

I am the registered keeper of my car and the insurance policy holder. DP is also fully comp on the car.

Where do I stand if DP allows his friend to drive and they have an accident? Would it all come back to me?

WIBU to completely put my foot down about this?

Inertia Thu 21-Apr-16 22:37:39

Of course YANBU!

If your DP is the only one insured and can't handle the driving, then he can take his own car and add his friend to the insurance.

Jojoriley Thu 21-Apr-16 22:38:54

If he is insured for any vehicle you're covered- also you're making your DP drive for ten hours- not nice or safe??

donajimena Thu 21-Apr-16 22:41:08

Ring your insurer in the morning to clarify

SouthWesterlyWinds Thu 21-Apr-16 22:42:08

YANBU - work insurance is that. For work. This isn't work. It's a jolly. He isn't insured and will not have the permission of the owner. If your DP can't handle doing all the driving, then he needs to find another solution or pay for his friend to be insured on his car. If your DP lets him drive knowing this, then he'll be done if they are caught as well.

Littleorangecat Thu 21-Apr-16 22:42:16

How do you know if your dh's friend is insured through his job? Please don't make any assumptions. If it is a policy for work he may only be insured for business purposes. You wouldn't actually be able to say without seeing the policy documents. I wouldn't risk it.

Osolea Thu 21-Apr-16 22:42:32

Call your insurance company and find out. I've had people put on my insurance just for a weekend, it's only cost £15 or so. Don't know if his age will make a difference, but worth asking.

DoreenLethal Thu 21-Apr-16 22:43:48

Insured through work surely means vehicles at work, not all vehicles? You need a copy of the insurance cover note to be sure.

TondelayaDellaVentamiglia Thu 21-Apr-16 22:44:12

i would not think his work insurance would cover him for a jaunt!

and quite a lot of policies that cover people to drive other people's car are only third party so that's another thing to check.

MummySparkle Thu 21-Apr-16 22:46:37

He's not insured for any vehicle. I think he is insured by his work for work purposes, but I know it doesn't cover him on his partners car.

It's completely my DPs choice to attend this sporting thing! It's a 5hr journey there tomorrow and then back again on Monday. I'm sure they will stop for food en route. It's not a huge ask.

Just had a quick look and it's £60 to cover him on my car for 4 days. I'm almost tempted to pay it anyway just in case.

rollonthesummer Thu 21-Apr-16 22:46:40

Why don't they take their own cars?!

I wouldn't do this on any terms. Your car could be written off! Can you afford to replace it when the insurance doesn't pay out??

Lilmisskittykat Thu 21-Apr-16 22:47:33

If he has have an accident it will go one of two ways...

He's uninsured.. He gets prosecuted for no insurance and you also get prosecuted under use/cause/permit legislation because you have permitted someone to drive your car knowing they were uninsured... Or ...

You can go down the path of I didn't know X was going to let him use my car as I only gave permission for X to drive it.. Then x's friend gets done for no insurance and taking a vehicle without consent

Lilmisskittykat Thu 21-Apr-16 22:48:48

Sorry for X reference .. I'm using the app and couldn't check who was allowed (dp)

Ameliablue Thu 21-Apr-16 22:48:52

Yanbu

Kr1stina Thu 21-Apr-16 22:49:09

Don't put him on your insurance . If he has an accident , you will have to pay the excess and lose your no claims bonus.

Let your DP take his own car and add his friend on his insurance . He should have sorted this out when he booked the weekend away . If he can't do it in time , he will need to do all the driving himself. It's fine as long as he takes enough breaks .

JarethTheGoblinKing Thu 21-Apr-16 22:51:20

The responsibility for making sure that you're insured is yours. Ring your insurance company and ask, but I wouldn't let him

MyKingdomForBrie Thu 21-Apr-16 22:53:04

Pay the £60 for sure. He's going to share driving anyway so you might as well be covered. If he's a perfectly competent driver it will likely be fine.

Kr1stina Thu 21-Apr-16 22:56:52

I absolutely would not do this .

I've had three cars written off because I let other people drive them and I will never do it again.

MummySparkle Thu 21-Apr-16 23:00:03

Have just asked DP if he was going to do all of the driving. His response: "most of it"

I've tried to point out that if anything happens we will not be covered etc. And I don't want it to cause friction between us and them as all of our family get on well with all of their family.

I don't want to put him on my insurance, but if I have his details then I can go through day insure can't I?

We could not afford to replace the car, it's only a year old.

I hoped DP would take his car, but it is old and slow and cumbersome. Not to mention it would cost triple the amount in fuel. Also means I get to borrow DPs mum's car for the weekend as the DCs can't go in his. I love MIL's car!

Letseatgrandma Thu 21-Apr-16 23:01:19

Blimey- you really don't seem bothered, do you?!

Good luck with this one.

SouthWesterlyWinds Thu 21-Apr-16 23:06:00

Right. If they get stopped, it will be noted by your insurers that you have made an enquiry. So either your DP needs to pay or you do, but he needs to go on the insurance. Not I can call on the weekend and I prefer my MIL's car. Either put him in insurance or tell your DP to suck it up and he has to do all the driving. If you don't think he'll stick to that, then don't lend him the car. Simples.

But I agree with LetsEat - you seem very blaisé about this, so I'm out.

rollonthesummer Thu 21-Apr-16 23:07:09

Why doesn't he take MIL's car?

MummySparkle Thu 21-Apr-16 23:09:03

Excuse me letseatgrandma ?

I am bothered by this. Bothered enough to be highly likely to spend £60 that I don't have so that I don't have to worry about my car written off.

My issue with the friction would be if something happens whilst friend was driving the car, the car got written off and then we would be down a car and they wouldn't be able to pay us - they can't.

I am very bothered by this

AugustaFinkNottle Thu 21-Apr-16 23:13:50

But why should you spend the £60? Why can't your DH?

bloodyteenagers Thu 21-Apr-16 23:13:57

The extra insurance and fuel, it would have probably been cheaper to book tickets with megabus.

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