Here is how many times your friend, neighbor or acquaintance can drive your car without having to report it to your insurer | My guide

It took a while, but the shared car is becoming more and more common on the streets. Due to post-crown work from home, high fuel prices and solid purchase prices for an (electric) car, more and more users are entering the car sharing scheme. Currently, 200,000 drivers use a shared car. This is a sevenfold increase in five years!

On the one hand, there are car sharing companies with their own fleet, such as the note Change from Poppy. Furthermore, you can often leave your shared car in a different place than where you left it, the so-called free floating car sharing. With round-trip car sharing, return your car to the collection point.

There are also car sharing organizations without their own car, which have an online platform where owners can rent their cars. You register as a car owner on an online platform and share your car with other interested parties. You can compare this car sharing with AirBnB but for cars. Examples are Cozywheels, Go around in Clear.

Besides, you can also share your car as a private person with your neighbors or friends.

There is usually a separate insurance policy for each of these car sharing methods.

• Most car sharing companies have their own insurance. So when you sign up to use their cars, you automatically pay for the insurance. Since the sub-organization takes out insurance and you don’t usually have a car, there is obviously no influence on your insurance.

• Change: As a user you are fully insured during Cambio rides. In addition, there is also insurance civil liability for the driver and a service contract in case of breakdown or accident.

• Poppy: this insurance includes civil liability, legal protection insurance and driver’s insurance.

Do you want to cancel your car insurance? You need to perform these steps.

If you rent your car through a sharing platform, you should check the insurance conditions very carefully. if you Lynk & Co– lend a car through the platform of the same name, then the platform takes care of all insurance. The premium is paid by the borrower and is part of the rent. As soon as you join a car sharing organization, you can apply for special car sharing insurance policies. As a result, both users and your car are well insured. Liability varies greatly from supplier to supplier. For example, some car sharing organizations have their own complete system, which means you don’t have to take an omnium yourself.

“If it is not clear how your car is insured on the sharing platform, contact your insurance company,” advises Birgit Verbruggen of Independer.be. “Of course, as the owner, you are responsible for ensuring that the insurance is in good standing.”

How much does private car insurance cost you? Simulate here.

Birgit Verbruggen from Independer: “If your neighbor drives your car only occasionally, you shouldn’t report him to the insurer. Occasional concretely means: less than three times a month. If your neighbor takes your car to the supermarket every week, you should have included it in your insurance policy. Keep in mind that if he or she causes an accident with your car, your bonus-malus and therefore your insurance premium will increase. “Do you share your car with your son or daughter who have a provisional driving license? these are the consequences for your insurance.

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