Lending the car out !!

[Moonchair1]

me and other half are 50/50 everything all one pot etc
we have a car each, when I got new I gave him my old one for work
(not old old and still very nice looking on the road)
last month his work mate asked to lend it to go fishing with lads I made a song and dance and said no il call the police to say it’s been stolen etc if he does.. so he didn’t but said I embarrassed him saying no.. I said in future it’s a no to things like that
anyway they just asked again to lend the car to go fishing I kicked off again and said no
AIBU ? please help me and other half are not agreeing on this

Insurance doesn't cover all costs, if it's written off they never give enough to replace it. Plus the excess, loss of no claims bonus, increased premiums, the costs of finding a new car, the inconvenience. I would only lend a car to someone if I had discussed all these and was sure they would cover it, or if I didn't mind e.g. a close family member or partner or a very old car. Definitely not to someone I hardly knew. Let them hire a car