REVscene Automotive Forum - View Single Post - Insurnace for lending your car to a friend/family member.

cococly · 12-04-2018, 06:25 PM

I don't use my car as much, and I thought to lend the car to my roommate/spouse/parents/family/friends.

If they crashed my car, would it affect my insurance rate?

I have heard there's something called "unlisted driver protection".

I talked to a few ICBC autoplan brokers and have heard different things from the staff there.

Some say if they crashed my car, my CRS would go up, regardless if another person was driving my car or not. Some say that the car cannot be operate by anyone else other than the owner.

Then why would I need "unlisted driver protection"?

Afterall, how could I lend my car to someone else, while not having to worry about my insurance rating if they get involved into an accident?

12-04-2018, 06:25 PM	#1
cococly WOAH! i think Vtec just kicked in! Join Date: Sep 2008 Location: Van Posts: 1,664 Thanked 413 Times in 101 Posts Failed 95 Times in 37 Posts	Insurnace for lending your car to a friend/family member. I don't use my car as much, and I thought to lend the car to my roommate/spouse/parents/family/friends. If they crashed my car, would it affect my insurance rate? I have heard there's something called "unlisted driver protection". I talked to a few ICBC autoplan brokers and have heard different things from the staff there. Some say if they crashed my car, my CRS would go up, regardless if another person was driving my car or not. Some say that the car cannot be operate by anyone else other than the owner. Then why would I need "unlisted driver protection"? Afterall, how could I lend my car to someone else, while not having to worry about my insurance rating if they get involved into an accident?