What happens if someone else is driving my car and gets in an accident in the UK?

What happens if someone else is driving your car and gets in an accident in the UK is different from Australia because UK car insurance follows the driver more strictly and includes Driving Other Cars restrictions. In the UK, your car insurance policy typically only covers named drivers listed on your policy. If someone else drives your car and is not a named driver, they are driving uninsured, which is a serious offence with fines up to £300 and 6 penalty points, and your car could be seized. If you have fully comprehensive insurance, many UK policies used to include Driving Other Cars third party only extension that allowed you to drive someone else's car third party, but since 2020 this extension is often removed or restricted to over 25s and only if you have owner's permission and the other car is insured separately. So if your friend drives your car and crashes in UK, if they are not a named driver, your insurer will likely deny claim for damage to your car, and you as owner could be liable for allowing uninsured driving. If they are a named driver, your insurance will cover damage to your car and third party property, you pay excess and lose no-claim bonus. For injury, Motor Insurers' Bureau covers third party injury if uninsured. To allow someone else to drive your car in UK, you must add them as temporary additional driver, which costs £20 to £50 per day via temporary insurance from Tempcover or Dayinsure, or add them to your annual policy. Always check your certificate of motor insurance for permitted drivers.