Does my car insurance cover other drivers?

  • It depends on the specific policy. Your policy may have an “omnibus clause” that covers any driver who has permission to use your vehicle (known as permissive drivers). If an insured driver drives your vehicle, yours will be the primary insurance and theirs will offer secondary coverage.
  • The best way to make sure that your car insurance covers another person is to have them listed as a named driver on the policy. Speak to someone at your insurance company before you let someone borrow your car if you’re unsure whether or not your specific policy will cover them.