Borrow or Lending?

If you have liability insurance, you will be insured to borrow any car, on the rare occasion. However, this may NOT take place in a regular or routine timetable. For example, you cannot use your mom's car to drive to work every Friday. In order for you to legally do that, you must be on your mom's insurance as an occasional driver, which will increase the premium.

So if you are borrowing a car, and it is not part of a regulate routine, then you will be covered, but it will be on your mom’s insurance. It is her car, so it is her insurance, if you have an accident while borrowing the car, it will go on your mom’s insurance.

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