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Car Insurance in Pakistan

Can I Use My Insurance Policy To Drive Someone Else's Car

Posted by Admin on 01 Dec 2022

Having a car insurance policy is mandatory and knowing how it works is even more important than that! You may have insurance but if you don’t understand how it works you can put yourself in grave danger. 

It is important to talk to a professional or get guidance from someone in the field. This is why Let’s Compare is here to help their customers out! Let’s answer the most crucial question about car insurance Pakistan: can you drive someone else’s car with your car insurance policy?

What Are The Important Elements Of a Car Insurance Policy?

There are a few crucial things to notice in a car insurance policy. First is the vehicle information including what type of vehicle is getting insured, the vehicle number, and who is the owner of the vehicle. Once you have gone through this, read the terms and conditions since they vary from insurer to insurer but a big part of them remains the same. 

Why Is This Information Important?

All the information about the vehicle and owner determines that both the car and the insurer are covered only if they are both a part of an accident. A few years ago, you could get coverage under third-party insurance if you were driving someone else’s car and caused an accident. Both you and the vehicle were covered. But due to recent changes in terms and conditions, this is no longer viable

The vehicle needs to be insured in the name of the driver or owner for an insurance policy to be viable. Otherwise, you may face a lawsuit under the cover of theft. This is the only way the vehicle can get covered but you will still not get covered. 

Is It Applicable For My Car As Well?

If someone drives your car without your permission and causes an accident it is considered theft and they are not covered even if they have an insurance policy but your vehicle is covered under theft. This change was due to the increased rate of vehicle theft. 

What If I Given My Car Away?

If you have given your car away or sold it, make sure to change the name of the insured on your insurance policy so that they can avoid such hurdles in the future. It is okay to lend your car to drive but the car should be insured in the name of the one who drives the most or the owner of the car

There is one way, the driver can get the cover on someone else’s car. That is if the owner of the car is in the car. This gets rid of the theft allegation but since the insurance policy covers both the owner and vehicle the third person can get a cover for the passenger.

Now that you have your queries answered, you can now clear your misconceptions and take preventive measures from both sides and educate everyone around you about how policy works and what they should check before making any decision like this. Let’s Compare is an online insurance comparison platform that makes getting insured convenient. Go get your car insurance now!


 

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