What if you're driving a car that's not yours?
Maybe it’s your dad’s or your family car, and they’re cool with you driving it to Malaysia. But will you be covered?
The tricky thing about car insurance lies with who are the insured drivers? For most cases, if the insured person is driving the car that got into an incident, the insurance cover is pretty straightforward.
The difference comes when you’re driving a car that’s not yours. There’ll be a different excess amount depending on insurers, and the age of the driver.
For example, FWD covers both the insured person and an “authorised driver” who is any person holding a valid driving licence class and whom was given permission by the insured person to drive the car. There will however be an excess if the authorised driver is younger than 27 years old. Etiqa car insurance similarly covers for any name person but has an excess of $2,000 if the driver is younger than 24, older than 75, or has less than 2 years of driving experience.
Basically, you’ll be covered if you have the insured person’s permission to drive the car, but there may be additional excess if you were to get into an accident.
