Borrowing Parents' Car

13

Just a quick query becase I feel like I'm overthinking this.
I am a named driver on my parents' car. We live in London, but I go to uni about 2.5 hours away. I wanted to borrow the car for the next 2.5 weeks, so that I can just drive home once I'm done with exams. Is this a bad thing to do (in terms of the insurance policy) and would my parents get in trouble? The road I live on is quite safe and many other students have cars there that are definetely more valuable, and there's been no trouble.

(edited 1 year ago)

Reply 1

Anon2463

7

Do your parents drive the car?

If so, do they use the car for more or less than 3 weeks in the year?

Reply 2

username5972212

17

When you apply for insurance, you answer a set of standard questions such as where is the car kept overnight and what is the main purpose of driving the car (e.g. commuting). What you're saying here suggests that for 2.5 weeks, this will change. I can't see this being an issue, as you could take the car on holiday for that length of time and that would not be an issue. I think what has to be watched out for here is any suggestion that your parents have insured a car but it's primarily for your use. As long as that is not the case, I can't see an issue.
Obviously if something happens to the car on your watch, and a claim is made, that will affect any existing no claims bonus (though your parents may pay extra to protect this). Any claim is likely to increase next years quote.
Other than that, I can't see a problem here.

Reply 3

MelonCrazy

OP

13

Thanks for replying guys. I've ended up just getting the train instead. Better safe than sorry I guess. But it's good to know that this is probably fine. Hopefully, I'll have a car for next year 😀

Reply 4

StriderHort

21

You're generally asked where the car is usually kept, you're allowed to take it elsewhere short term,

Reply 5

Emma:-)

Entertainment Forum Helper, Careers Forum Helper

19

Original post by cheadle

When you apply for insurance, you answer a set of standard questions such as where is the car kept overnight and what is the main purpose of driving the car (e.g. commuting). What you're saying here suggests that for 2.5 weeks, this will change. I can't see this being an issue, as you could take the car on holiday for that length of time and that would not be an issue. I think what has to be watched out for here is any suggestion that your parents have insured a car but it's primarily for your use. As long as that is not the case, I can't see an issue.
Obviously if something happens to the car on your watch, and a claim is made, that will affect any existing no claims bonus (though your parents may pay extra to protect this). Any claim is likely to increase next years quote.
Other than that, I can't see a problem here.

I agree

Borrowing Parents' Car

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