Just lend your car to your son or daughter, a friend, colleague or neighbor: it happens every day and hardly anyone thinks about the possible consequences.

Because is that possible?

What if that person damages your car?

Every car that takes to the road in the Netherlands must be insured for civil liability (WA).

If the counterparty has suffered damage through your fault, it is in any case covered.

It doesn't matter whose name the car is in or who the policyholder is.

But that's not enough, warns Suzan Samson, car insurance expert at comparison site Independer.

"Indeed, the car insurance always applies if you have given someone permission to use your car. But the policyholder does run a financial risk, even if he or she does not cause the damage himself. If you only have third-party insurance on the car, then it is there is no cover for your own, non-recoverable damage."

In concrete terms: if your front bumper hits the mudguard of another car through your fault, the insurance will reimburse the damage to the mudguard, but you have to pay for the curved bumper yourself.

Samson: "You can recover that from the driver, but he or she cannot make a claim under his or her liability insurance. So you have to come to a mutual agreement."

Damage can affect the insurance premium

Incidentally, the financial pain is not limited to the damage to the car.

When you claim damage, you may subsequently receive a smaller discount or even a surcharge on the insurance premium.

This is the so-called bonus-malus scheme.

Samson: "As a policyholder, you may therefore suffer for years from damage that you did not cause yourself. Even if you switch to another insurer, the accumulated bonus-malus situation remains in force."

“Most insurers exclude structural use by third parties in standard car insurance policies, whether that use is for business or not.”

Barbara van der Rest, Association of Insurers

"You can prevent this by agreeing with the user of the car that the damage will not be claimed and that he or she will pay the full amount himself, Samson advises. "Keep in mind that young drivers often have a higher own risk applies.

Incidentally, we are talking about a short loan of, for example, one day.

If it concerns a longer period, such as during a holiday, an insurer can offer additional, temporary cover."

Lending via a car-sharing platform is often not covered in the policy

So much for the situation with incidental, private lending to family, friends or acquaintances.

But if you actively and structurally offer your car via a car-sharing platform such as SnappCar, what about insurance?

"Most insurers exclude structural use by third parties in their standard car insurance policies, whether that use is for business or not," says Barbara van der Rest of the Dutch Association of Insurers.

"It means that you have to take out separate insurance for this, but there is little offer from the insurers. This is due to the high risk, because the insurer does not know the driver. The most common solution is to join a platform for carsharing, but here too the offer from insurers is limited."

“The breakdown assistance insurance of the ANWB is personal.

This has the advantage that you also get roadside assistance if you drive someone else's car.”

Gerard Kroon, Consumers' Association

SnappCar therefore offers the participants additional insurance from Allianz.

And if you set up a group in which a fixed number of users share a car, you can contact the Association for Shared Car Use for a collective insurance.

Centraal Beheer has set it up especially for these initiatives.

Breakdown assistance can also be linked to license plate or driver

When we think of the term insurance, we often only think of damage, but breakdown assistance is also a form of insurance.

What's the deal with that?

"The breakdown assistance of, for example, the car dealer or a car insurer is based on the registration number of the car," says Gerard Kroon of the Consumers' Association.

"The car is therefore also insured for breakdown assistance if someone else is driving it. This is useful if you often lend the car. But if someone else breaks down in your car, there is no breakdown assistance cover."

On this Independer information page you will find more information about the rights and obligations of the insured who lets someone else drive his car.

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