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What's covered when someone borrows your car with Cuvva
What's covered when someone borrows your car with Cuvva

From claims to speeding tickets

Joey M avatar
Written by Joey M
Updated over a week ago

Cuvva’s car clubs have made it even easier to lend your car to a friend, family member, colleague, neighbour - or anyone else! Here’s how it all works👇

First things first

Let’s look at the ins and outs of a short-term car insurance policy with Cuvva.

Fully comprehensive insurance: When someone borrows your car, they’ll need to get a short-term insurance policy with Cuvva first. All Cuvva policies are fully comprehensive. This means that if the driver were to be involved in an accident or have to make a claim, they’d be covered against damage or loss to the vehicle or caused by the vehicle, as well as personal injury claims. The policy also covers fire, theft, and attempted theft.

No claims bonus: Because Cuvva’s policies are completely standalone, it means the borrower is covered by a different policy to the car owner. This means if something were to happen while the borrower was driving, they’d claim for any damages on their own policy - so your no claims bonus wouldn’t be impacted.

Verification: You can lend your car to whoever you like using car clubs, from a friend or family member to neighbour, colleague or even friend-of-a-friend - it’s up to you! It’s a good idea to double check their driving licence yourself, for complete peace of mind. Just make sure they buy their own policy to drive your car with.

Commercial use: Borrowers can use your car to drive to work, and to drive between places of work - but they can’t use your car for work. For example, they wouldn’t be allowed to use your car to make deliveries or as a taxi - but they can definitely use it to commute into the office or to drive between building sites.

If something happens

If someone has an accident while driving your car: If the borrower has an accident while driving your car, they will need to make a claim on their own policy. They'll be the person responsible for repairs, or for compensating you for the damage. As usual, there’ll be an excess which they’ll need to pay.

If the borrower gets a parking fine, speeding ticket, or the car gets impounded: The borrower is responsible for paying all fees or fines racked up while they’re driving. They should make sure they also remember to pay any tolls like congestion charges. It’s worth having a chat with the borrower so you’re both on the same page here.

If someone doesn’t return your car on time: Delays can happen, but if the borrower returns the car late it is vital that they first extend their policy in the app so they’re still insured to drive. Make sure you remind them of this if they’re running late.

If someone breaks down in your car: It’s best to ask borrowers to add Cuvva’s breakdown cover to their policy when they’re getting a quote, for ultimate peace of mind if the worst happens.

If the borrower misfuels: Let the borrower know which fuel your car uses before they head off. Misfuelling isn’t covered by the policy so they’d need to compensate you directly for any repairs.

If you notice wear and tear: Wear and tear isn’t covered by a Cuvva policy, because it’s the sort of thing that just happens to all cars over time. Wear and tear includes things like minor scuffs to the paint, and dents less than 1cm in length.

If someone buys a policy on your car when you’ve not made it available: Nobody can drive your car without your permission. If someone buys a policy at a time when you’ve not made it available, it’s their loss.

What if the borrower makes a mess: This is bad manners, and goes against the expected behaviour policy that borrowers agree to in advance. Unfortunately, there’s not much you can do other than make a note not to lend your car to them again.

You can find some extra guidance in the expected behaviour policy.

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