Do I need special car insurance to allow a friend to use my car?

In general, car insurance applies to the car first, and then to the driver. Most insurance policies are flexible enough that you can allow a (personally uninsured) friend or relative to drive your car, so long as their driving is not on a regular or continuous basis, and it won’t affect the insurance coverage. When you give permission, whether express or implied, to someone not on your policy to use your car, all of your coverages extend to that individual. In the event of an accident, your insurance coverage kicks in. To find the best policy and the best rates, you may want to review discount auto insurance.

However, that being said, if you plan to continue allowing your friend or relative to drive your car regularly, you should consider adding them to your insurance policy as an “eligible” or “occasional” driver. Failure to do so, and in the event of an accident, your claim may be denied if the insurance investigator finds out that this is a “regular” thing happening. One thing to bear in mind is that insurance companies may place exclusions on who can or can’t drive your car, e.g. drivers under the age of 25. This is something you should be aware of before you hand the keys to your babysitter.