Behind the wheel: How car insurance works for drivers not on your policy

Car crash dangerous accident on the road. SUV car crashing beside another one on the road..

When you own a car and have a car insurance policy, you may wonder how coverage works when someone else, such as a friend or family member, drives your vehicle and is not listed on your insurance policy.

Car insurance online is a crucial safety net that provides financial protection in the event of an accident or unexpected mishap on the road.

Understanding the car insurance renewal scenarios for drivers not on your policy

 Immediate family members

So, if your spouse or teenage child occasionally drives your car, they are usually covered under your existing policy. Most car insurance policies extend coverage to immediate family members living in the same household that includes spouses, parents and children, even if they are not explicitly listed on the policy.

Permissive use

Permissive use concept means that if you premit someone to drive your car occasionally, they will likely be covered under your insurance, even if they are not listed as a regular driver. However, it’s crucial to note that there might be some restrictions on permissive use. For instance, the driver must have a valid driver’s license and if they have a history of accidents or violations, coverage won’t be extended in such cases. This coverage is usually secondary to the primary driver’s insurance, meaning that if the permissive driver has their insurance, it would be the primary coverage in case of an accident.

Non-frequent drivers

If someone regularly uses your car, they should be listed on your policy as an occasional or regular driver. Kotak general insurance generally understands that occasional borrowing of a car can happen. Therefore, they often allow coverage for non-frequent drivers, such as friends, extended family or colleagues, who might borrow your car for a one-time event or emergency. The key factor here is the infrequency of use.

Uninsured/Underinsured motorist coverage

This coverage protects you and your passengers if the at-fault driver doesn’t have insurance or has inadequate coverage. In such cases, when a driver not on your policy gets into an accident while driving your car and they are at fault, your uninsured/underinsured motorist coverage may come into play.

Exceptions and restrictions

For instance, if you regularly lend your car to a friend who lives in the same household, we might require them to be listed on your car policy renewal to be fully covered.


Car insurance for drivers not listed on your policy can be a bit complex, but understanding the basics of permissive use and coverage for occasional drivers is essential. Generally, immediate family members and non-frequent drivers with your permission are covered when driving your car. However, it’s always a good idea to visit kotak general insurance, to ensure you have the appropriate coverage in place. Make sure you have the right coverage that suits your needs and provides adequate protection for yourself and anyone you permit to drive your car.