This is a common practice that you’ve no doubt had before: lend your car to a loved one – friend or family – for a race, trip or weekend. Practice that does not exist not prohibited by law or insurance, but for which it is still necessary to take some precautions. Of course, the relevant driver must have a driving license and be in perfect condition. In case of inspection, he must present the certificate of registration of your car, as well as his insurance certificate. In case of committing an offense and receiving a fine at home, you will have to prove that you were not driving at the time, but file an online claim to have your loved one receive a fine at home.

Insurance restrictions

Here is a purely legal and practical aspect. But if the law allows you to lend a car, then the insurance code is a little stricter in this matter.… Indeed, your insurance may – especially if you are a young driver – not cover you in the event of a loan to a loved one. She can too overlap : that is, only if you lend it to relatives who live with you, in particular to your wife or children. There are the following scenarios:

• Unlimited car loan : You will not be subject to an excessive increase in deductible in the event of a claim
• Car loan with increased deductible : Your deductible will be higher in the event of a claim
• Renting a car to a third party, except for novice drivers determined by the general terms of the contract
• Prohibition of lending the vehicle to third parties, except for ascending ones (the person from whom it comes): father, grandfather, great-grandfather or descendants : child, grandchild, great-grandchild, family members
• A complete ban on car lending

Be careful in case of an accident

If your insurance does not cover such a situation, you can ask him to add loan terms to your contract, whether temporary or permanent. In this case, the insurance may require you to pay a financial contribution to add proof. In the event of an accident and if the cause of the accident is your vehicle, In most cases, it does not cover damage to your car or damage to a loved one.. It can then increase the deductible you pay… Therefore, carefully read the terms of the insurance contract before lending a car to a friend, it can save you from unpleasant surprises.

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