Lend your car
Is a friend or family member asking you to lend them your car? No worries. With temporary car insurance, you can do so with total peace of mind. They’ll buy their own standalone, fully comprehensive policy - so if something happens, your own policy and no-claims bonus won’t be impacted. Lend or rent out your car, without the stress.
Lending your car to someone
You can lend your car to someone else in a couple of ways. If they want to use your car over a longer period, you can add them as a named driver to your own policy. However, this might add hundreds or even thousands of pounds to your own premium - and you risk your own policy and no-claims bonus (NCB) while they’re at the wheel. It can also sometimes take a little while to sort.
Another option is to ask them to buy a temporary car insurance policy on your car using an app like Cuvva. Policies last from 1 hour to 28 days, so it could be a good option if you only need to lend them your car for a short while. You’re also protected if they have an incident while driving your car. Policies start right away (or you can book-ahead).
How to lend your car
1
Ask the borrower to download the Cuvva app
It only takes a few seconds
2
They then enter your car’s number plate
And a few details about themselves and the vehicle
3
They'll choose a policy start and end time
And then be given a personalised quote
4
They'll buy a policy and you'll hand over the keys
It’s worth making clear some driving rules, like whether pets or smoking is allowed
Lend with total peace of mind
We get it, it can feel strange trusting your car with someone else. But temporary car insurance is designed to give you peace of mind. Here’s how:
You don’t need extra cover
No need to call your insurer or worry about additional cover. The person you’re lending to can get insured on your car in minutes, all you need to do is give them the keys.
Our ‘Expected Behaviour’ policy
When a borrower drives your car, they agree to our ‘Expected Behaviour’ policy. This means they agree to follow some clear rules, as well as any restrictions you set on things like smoking in the car or carrying pets. It’s also a good idea to take photos of your car before you lend it out, and to also double check the borrower’s driving licence.
Fully comp, NCB-protected
When you lend your car to someone, they’ll buy their own completely standalone insurance policy to drive it. It’s totally separate to your own policy - meaning if they have an accident and need to claim, it won’t impact your NCB. Fully comprehensive means the borrower is covered for damage to your car, other cars, themselves, other people, and other people’s property.
Why lend your car?
If you don’t use your car that often, it can be frustrating to see it sitting unused on the driveway or parked up in the garage. Here’s how to put it to better use:
Save family costs
Don't clog the driveway with unnecessary cars. Share one with your family and split the running costs instead.
Help out a mate
Lend your car to a friend, colleague, or neighbour and rack up those brownie points. It’s nice to be nice.
It’s greener
Did you know: manufacturing a petrol or diesel releases 5+ tonnes of CO2. The more we share cars, the more we help the planet.
The expert’s view on lending your car out using temporary car insurance
Adam Kent is our Senior Underwriting Lead and Insurance Expert. He joined in 2022 and has a 19 year track record helping insurtechs, brokers, and direct insurers.
He said: “It wasn’t that long ago that your options when lending your car to a friend were pretty bleak. You could add them to your own policy, putting your NCB at risk and shelling out for the pleasure. Or you could hand over the keys with your fingers crossed and hope they had driving other cars cover, which is now very rare.
“It’s a lot easier now. You can lend out your car knowing they’ve got their own standalone policy - saving you stress, and money.”
Frequently asked questions
Can my friend drive my car legally?
Sure they can - but they must be insured on your car before you can lend them it. They can buy a temporary car insurance policy that starts right away.
Is temporary car insurance a legit way to lend out your car?
Cuvva is completely legit. We’ve sold 12 million+ policies and are rated ‘Excellent’ on Trustpilot. So you can lend your car to a friend with peace of mind.
Who can I lend my car to?
There are some restrictions on who can use temporary car insurance. Usually you’ll need to be aged 19+ and have held your licence for at least a year.