AIBU to not lend neighbour my car?

[HouseIsOnFire]

Just that really... new neighbours (less than a year), not particularly close (friendly when I first moved in but a series of events has lead to some distance).

Was asked out of the blue if I had comprehensive insurance, and if so could they borrow my car as needed to sort something out at their buy-to-let (defrosting a boiler condenser pipe, so not an emergency!)

Been made to feel a bit mean, though I lied and said I didn't have the insurance.

YABU - Perfectly reasonable to ask an acquaintance if you can borrow their car, and it's mean of them not to say yes

YANBU - No, I wouldn't lend my car to someone (except maybe close family)

There's been a whole series of bonkers behaviour and now genuinely wondering if I was mean not to lend it! (I did offer a lift if needed but had to rescind the offer after 4 hours and still no time for said lift given - was clear I was expected to wait about all day in case offer was taken up!)

I don't like lending DH my car, let alone an almost stranger. YANBU in any way!

I would only lend a car to a close friend or close relative. Fully comp cover for you doesn’t mean fully comp cover for them. Yanbu.

I wouldn’t lend my car out either. Can you imagine the nightmare if they have an accident.

Just because you have fully comp insurance does not automatically mean that anyone can drive your car and be insured. I wouldn't be lending my car to be honest.

I don’t think you having comprehensive insurance matters anyway, they would need the comprehensive insurance on their car to drive another vehicle with third party insurance.

Either way, YADNBU. I know my neighbours well and wouldn’t lend them my car.

Don't ever lend your car. No fucking way.

You are not being unreasonable at all. And I agree with others - they would have to hold insurance or you would have to add them as named drivers to yours.

And feel guilty and offer lifts - or loan tools!

Your neighbour is not insured to drive your car.

Good god no! I only let DH & DS drive my car if absolutely necessary. It's not a cup of sugar!

I can't believe anyone would have the cheek to ask that of a casual acquaintance TBH.

YANBU, what a strange expectation from a neighbour!

Given that they are a bit thick as think your insurance would cover them, you've done the right thing. Even if they weren't that dim it's fine to say no. I would never lend my car to anyone other than my husband who is the co owner.

Find out about whatever local car sharing scheme your town operates and pass them the info. Problem solved.

Only time I've lent my car to the neighbours was when a family member passed away and their DH had their car, that's an emergency.
My family frequently borrow my car, dd is on my insurance, her DH is fully comp.
I wouldn't feel bad if I were you

And not all fully comp insurance covers other cars either

Could you offer them a lift?

Surely it’s them that needs insurance not your car. So my fully comp insurance means I can drive someone else’s car as it specifically says so. DD’s fully comp insurance does not state this so she can’t .

however if I drive another persons car that car is then only covered third party. So any damage to the car I’m driving is not covered, only another car which I hit.

so no, don’t lend your car. If they write it off you’ll get no money even if they have insurance which i5 sounds like they don’t

Perhaps they haven't heard of these things called "car hire companies". This would be the perfect time for them to find out more.

Bonkers. No I certainly wouldn't. I assume your insurance is named drivers rather than open driving so anyone can drive. They would need their own fully comp insurance to drive your car (IF their insurance allowed and they don't all do this). Even then they would only be insured to drive yours third party. A potential insurance nightmare.

Surely you would have to add them as a named driver for them to be covered on your insurance these days? Unless they have fully comp and are over 25 in which case they can drive any car but only have third party insurance . In the old days fully comp insurance covered any driver with the owners permission !

I misread this as cat…

Anyway, YANBU.

They are CF's to ask. Definitely say no and continue to say no. They seem like the type to ramp up their requests in response to you saying yes.

I lend out my car a lot to friends in a pinch, but that's to people I know and trust (my husband is usually the one fixing their broken car as well)

It's definitely not unreasonable to say no to an acquaintance, especially if you're not in the habit of doing huge favours for each other

I read that as cat, I thought they'd invited him over for dinner 😂.
YANBU, I wouldn't lend my car to many people, and certainly not the ndn. They would need their own insurance policy which allowed them to drive any vehicle or your vehicle specifically, or you would need to add them as a named driver to your policy. It would make no difference if you had fully comp cover or not, that in itself wouldn't cover them to drive.

What a cheek! YANBU

definitely right to say no - and more than generous to offer them a lift.