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Yes; we cover drivers with full GB licences from 17 years and up. We provide cover on most vehicles up to insurance group 35 with a current maximum value of £60,000. For more powerful or expensive cars, we may restrict cover based on age, so you may be able to drive some cars and not others. The vehicle must be taxed with a valid MOT.

No, Car Sharing Insurance has been designed to enable affordable car sharing between colleagues, family and friends. If the owner is paid an amount which exceeds the cost of any fuel used, wear and tear to the vehicle, or any parking fines payable, this will invalidate the insurance.

Yes, Car Sharing Insurance is additional temporary cover that works alongside the owner’s existing insurance policy. The vehicle must have alternative insurance in place for the duration of the Car Sharing Insurance policy. Our short term insurance cannot be used with vehicles insured on Motor Trade or Fleet insurance policies.

Yes, this product is great for sharing the driving on long journeys as the car owner will still be covered by their own annual insurance policy while the borrower’s temporary Car Sharing Insurance policy is active.

Car Sharing Insurance provides the borrower with their own temporary insurance policy. Any claims you make won’t affect the car owner’s No Claims Bonus. As such, they don’t need to declare it to their insurers.

Yes. After 30 days of driving claim free with Car Sharing Insurance, we’ll automatically apply a discount to any future Car Sharing policies you purchase for yourself.

In addition, if you drive claim free for 30 or more days within a 12 month period, you will earn a one year introductory No Claims Bonus for use with Admiral, Bell, Diamond and Elephant policies, provided you are still claim-free at the end of the period.

Yes, Car Sharing Insurance can be bought as many times as you like! You can easily extend active policies by logging in to your Customer Account. The total duration of your policy can be no more than 30 days. If you need cover for more than 30 days, you’ll need to purchase a new policy. Similarly, if the policy has already ended, you’ll be unable to extend it, but you can purchase a new policy.

Yes. If the cover has not started yet, you will receive a full refund. However, due to the short-term nature of the insurance, we do not provide a refund for policies that are cancelled after the policy has started. For more information about cancelling your policy, please check out our Help Centre.

Due to the short term nature of the policies, we are unable to change the vehicle, add a driver, or change your address on the policy. If you need cover for an alternative vehicle you will need to cancel your policy and take out a new one for the different car. If you are unsure how long you need to buy insurance for, you can purchase a few days or hours and then purchase more later.

This insurance does not include ‘Driving Other Cars’. Therefore the driver is only insured on this policy to drive the vehicle that appears on the Certificate of Motor Insurance. You can have multiple Car Sharing Insurance policies for the same time period if you would like to be able to drive many cars at once.

Yes, this insurance will not invalidate your existing insurance on your own car. However, if you make a claim on either policy, you will be required to disclose this when purchasing any future insurance policies.

If you are the owner and someone borrows your car and makes a subsequent claim, this will not impact your driving history or require any further disclosures when you next purchase insurance.

Yes. The accidental damage excess on most Car Sharing Insurance policies is set at £750. However, some customers are now able to choose at excess as low as £250, depending on the policy details. If you don’t take photos of the vehicle before and after the policy, and then need to make a claim, you may have to pay an additional excess of £250. Please note that the excess is payable regardless of fault. There is an additional excess for windscreen damage (£25) or replacement (£95).