Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Can my son borrow my vehicle to use on the weekends

My child is no longer in school moved to own apartment in NYC with lease - Can he borrow our car to take a weekend trip if we took him off insurance? He no longer uses the car except except once in a great while (i.e. maybe 1-2x per year for 1-3 days

Jul 28, 2018 Smithtown, NY

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Credentials
  • 9+ years of Experience in the Insurance Industry
This can be tricky. Since he doesn't live in your residence full-time, he no longer needs to be listed on the policy. But, his ability to use your car will depend on the specific conditions of your car insurance policy. Namely, do you have what's called permissive user. Permissive use or user refers to someone who can drive your car with your permission. The stipulations for this are the individual cannot live in the address listed on the policy, use the vehicle more than 12 times a policy period, or be an excluded driver. So, to sum up, I would confirm the following:
  • See if your policy has a permissive user clause
  • Confirm the number of times an unlisted driver can use the vehicle
  • Confirm your son is not an excluded driver
This should help alleviate any confusion you have regarding whether or not your son can borrow the vehicle without needing to be added to the policy. If, however, you do need to add your son to the policy, you can add and remove him for the time needs to use the vehicle.
Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Do I have to tell my car insurance company about my lien?

Insurance companies do not know who the lienholder is without it being explicitly provided, but many insurance agents will ask for it when they write the policy if you mention that your vehicle is financed. In general it's always recommended that you be as transparent as possible when getting …
Apr 4, 2018 Buffalo, NY

Can my brother in law use my car for a week?

He should be covered to drive your car as long as you have permissive use coverage. This means that someone can drive your car that does not live with you, as long as they have permission and it is not a regular occurrence. Since your brother in law does not live with you, your insurance should cov…
Aug 24, 2018 Bothell, WA

How can an insurance company add an accident to your record that never happened?

I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim. I imagine it was an error made on their part if it wasn't even your insured vehicle. If the company is uncooperative, you may want to dispute it w…
Jan 30, 2020 Medford, NY

My address on my license doesn't match my insurance card. Is that ok?

Thank you for reaching out to The Zebra!First of all, your insurance policy and your driver's license (as well as your vehicle registration) should use the same address. Depending on which insurance company you have, that will determine how quickly you should get this taken care of, but genera…
Jan 10, 2018 Utica, NY