We get it. Sometimes life happens, and someone else needs to take the wheel. Maybe it’s your cousin rushing to a meeting, your best friend picking up groceries, or even your teenager finally getting some road time.
But before you hand over the keys, there’s a bit of insurance housekeeping to think about.
Who counts as an authorised driver?
First things first: Your King Price car insurance could cover an incident involving someone else driving your car, but we’ll ask a few questions for extra clarity. If the person driving is your cousin in from town and borrowed your car to grab some milk and bread, and they have a valid driver’s licence, then it’s likely that your claim will be approved.
But if the person driving is your cousin who lives with you and drives your car all the time, but isn’t listed as an regular driver on your policy, then your claim could be declined.
Ouch.
So, whether it’s a 1-off drive or a regular favour, check who’s officially allowed to drive your car before anyone hits the road.
What happens if an accident occurs?
Accidents can happen to the best of us, even to drivers with nerves of steel. If the person driving your car gets into a fender bender, then rest assured, we’ll handle it according to your policy terms. That includes comprehensive, third-party, and optional extras, as applicable.
But here’s the catch: if the driver isn’t covered under the policy, you could be footing the bill yourself. Not fun, and definitely not part of our royal plan.
Optional extras that can help
The king offers several optional extras that make your cover more flexible:
- Little dings and tyre things: Protects against minor scratches, dents, and tyre damage and is particularly handy if your friend isn’t the best parallel parker.
- Tyre and rim cover: Makes potholes and rogue parking lot screws a little less scary.
Remember, these extras only cover drivers who comply with your policy. Always double-check who is behind the wheel.
Quick tips for lending your car safely
- Set clear rules: Make sure the person driving knows your expectations, like sticking to speed limits, car care, and what to do if something goes wrong.
- Document the agreement: Even a simple WhatsApp message noting that they’re authorised can help if there’s ever a dispute.
- The excess: Tell them that if there’s an accident and you have to claim, there’ll be an excess payable (no matter who is at fault), and if you want to do so, you can ask them to pay this excess if they want to use your car.
Why it matters
Allowing someone else to drive without checking your cover could turn a minor mishap into a financial headache. With King Price, it’s easy to keep your car, your wallet, and your sanity protected… As long as everyone behind the wheel follows the rules.
For more details on our car insurance, click here or WhatsApp us on 0860 50 50 50
5 FAQs
1. Can someone else drive my car under my King Price policy?
Yes, but they must hold a valid driver’s licence and if they drive your car frequently, they need to be listed as a regular driver.
2. Who’s considered an authorised driver?
Anyone named on your policy or someone temporarily approved by you according to the policy conditions.
3. What happens if an unauthorised driver has an accident?
Your claim may be declined, depending on the details of the driver, and you could be responsible for all costs.
4. Are there optional extras to protect against minor accidents?
Yes, we have the little dings and tyre things, and tyre and rim cover. These can help with minor damage, but only if the driver is authorised.
5. Does the king’s cab cover apply if someone else drives my car?
No, the king’s cab is for your own car breakdown or accident and doesn’t extend to unauthorised drivers.