When taking out a car insurance policy it is very important to read and understand the terms, conditions and exclusions that are covered (or not covered) under your policy. One such term is other drivers. Make very sure what your policy states about other drivers driving your car when the insurance is taken out is your name. If you are unsure of the wording ask your insurance company for an explanation.

In most cases other drivers using your car, on occasion, will also be covered under your car insurance policy, without being mentioned by name, but only if they had your express permission to do so. Should someone drive your car without your permission and is involved in an accident your insurance company will insist that you lay a criminal charge against this person, which you cannot withdraw at a later stage. If you are not prepared to do so the insurance company will not consider your claim for the accident.

Don’t ever allow anyone without a valid driver’s license or someone under the influence of alcohol or drugs to drive your car. The insurance company will not even consider your claim under these conditions. See also the glossary item regarding named drivers.