Foreigner borrowing a car from a friend in the UK. Insurance?

I go to the UK, and a friend offers to let me borrow his car for 4 weeks, free of charge.

The the friend lives in the UK, it's his car, the car has a UK license and insurance. I am a foreigner in the UK on holiday and have a foreign drivers license that allows me to legally drive in the UK.

I know all this at least 1 month in advance.

What's the proper way to get insurance for the car for these 4 weeks?

Best Answer

By far the easiest way to do this is to get your friend to add you to his insurance. This is usually a very low cost option - some insurers will do it for free in some cases. Once done you are totally covered and legal to drive.

If this is not an option for some reason, you might try getting this added to your insurance. Some companies will allow you to add coverage for overseas rental cars, and they might stretch it to a borrowed car.

Failing that, your own short term coverage.

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Can I put a non UK resident on my car insurance?

Yes, some insurance companies will provide temporary insurance for non-UK residents, however, you must be of legal driving age in the UK and have a full EU or international driving licence.

Can I drive a car insured by someone else UK?

Before driving someone else's car, you must have the owner's permission and their car must have valid insurance already. You can only use the car in the UK for the purposes stated on your certificate. The extension to drive other cars only applies to the policyholder and NOT named drivers.

Can my friend use my car insurance?

Permissive useMost car insurance policies will cover drivers you've listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle.

How to get cheaper car insurance in the UK - New and Younger Driver Tips

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