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Would you lend your car to your daughter.

(131 Posts)
travelsafar Wed 20-Jul-22 15:25:57

My dd rang today to say her car had packed up. I couldn't believe it as about 2 months ago I bought her a new battery and last weekend gave her 100.00 towards a new exhaust as hers fell off!!! Now the garage think her clutch has 'gone'. She has decided to go for another car and needs mine till she finds one. I have doubts about lending my car,she has no drive or allocated parking space, but I know she is stuck. I will have to pay for her to be put on insurance as well as currently it me only on the insurance. She knows I won't be driving for a least 6 weeks due to op next week so I had no 'get out clause' am I doing the right thing.

Smileless2012 Wed 20-Jul-22 15:33:39

hmm that's a hard one travelsafar. You'll have to let the insurance company know you wont be keeping it at your place and for how long, and where it's going there's no off road parking. That may mean an increase on top of adding her to your insurance.

Can't she pay for the additions and will there be any problem getting it back when you can drive again?

Pantglas2 Wed 20-Jul-22 15:37:36

It’s usually cheaper to have a named driver on your insurance (not sure why) travelsafar so there shouldn’t be an extra cost there.

vegansrock Wed 20-Jul-22 15:38:40

I lent my car to my DD in early lockdown as she needed to get to work as a key worker and I wasn’t going anywhere. I still haven’t got it back ……? Your DD should pay for the insurance needed but otherwise I’d let her use it

welbeck Wed 20-Jul-22 15:42:01

no i wouldn't.
even if you get the car back, in drivable condition, there is the risk of fines arriving in the post with increased charges for overdue penalties re parking, congestion charge, ULEZ etc.
does she regard you as a source of finance/ goods and services ?
what age is she. any disabilities. ?
unless a big back story, i'd say she should be supporting you, not tapping you for her expenses.

Georgesgran Wed 20-Jul-22 15:42:09

AgreePant about the 2nd named driver on a policy - not that I’d trust my DD with my wheels! The OP needs to inform her insurance company of the circumstances though, especially as the car won’t be kept at the same address/under the same conditions as the original policy and her DD needs to be upfront if she had any points/pending.

Hithere Wed 20-Jul-22 15:42:29

Not at all
How old is your daughter?

dogsmother Wed 20-Jul-22 15:45:06

My goodness yes. I always do what I can for all of my AC they are all named drivers on insurance now just in case. If your not going to be driving then make sure she knows she could be on call to drive you!

Yammy Wed 20-Jul-22 15:45:29

Let her use it and put her on your insurance. We have done it at times for all of ours, even SIL. She'll pay you back someday even if it's not with money. Little or in this case big things are never forgotten.

Allsorts Wed 20-Jul-22 15:46:45

It depends on the maturity of your daughter. If she is slap dash and could wreck it, I would say no. If she is reliable and consistent probably yes, but if she’s getting into such problems maintaining the car she has, perhaps she shouldn’t have one.

Grannybags Wed 20-Jul-22 15:47:10

If I wasn't going to be able to drive for 6 weeks and my son needed a car I would lend it to him and put him on my insurance.

Smileless2012 Wed 20-Jul-22 15:48:54

I think it's different if you add a driver once the policy has been taken on, as opposed to having a named driver from the beginning. There's usually and additional cost if it's the former.

Ladyleftfieldlover Wed 20-Jul-22 15:49:50

I’ve lent my car to elder son a few times. I’ve put him on my insurance and it hasn’t cost a thing. I just have to give them all his details.

lixy Wed 20-Jul-22 15:51:15

Yes I would - and have. Why not?
I have also borrowed hers when I needed a bigger car for a group trip. We are named drivers on each others' insurances.

However we are very clear that fines etc are our own responsibility - not that we have had any (so far, touch wood) and we treat each others' car with great care.

For a 'long-term' loan I think you'd need to let your insurers know where the car will be.

MawtheMerrier Wed 20-Jul-22 15:54:28

Absolutely, why wouldn’t you especially if you won’t be using it for the next 6 weeks.
However, you must do it properly
You say you have added your daughter to your insurance, presumably only as a named driver though. Also your daughter has no drive or allocated parking to park the car. So you must also tell the insurance company where and by whom the car is going to be kept for the foreseeable, and that it will be parked on (I assume) the road, otherwise if anything happens you could find the policy is invalid and no claim will be honoured.
Even if that only costs a few more ££££ it is essential.
What a kind mum you are!

vegansrock Wed 20-Jul-22 15:57:30

Even though I haven’t had my car back I honestly don’t mind and would do it again. Her need was greater than mine. I know I could get it back if I needed it.

Callistemon21 Wed 20-Jul-22 15:58:43

We've just put DD on our car insurance while she's staying.
£2.70 extra on the insurance and £15 admin charge!!

Getting the clutch fixed is very expensive, I had to have my little car fixed last year and wondered if it was worth it.

Patsy70 Wed 20-Jul-22 16:00:47

Yes, I have lent my car to my daughter when she was without one, and would willingly lend it to either of my children and two of my granddaughters who drive should they need it. I like to help them any way I can, and they don’t take advantage.

Sara1954 Wed 20-Jul-22 16:01:14

Yes I would for any of them, if I didn’t need it they would be welcome to it.

J52 Wed 20-Jul-22 16:06:27

I’ve often lent my car to both my DSs, when they’re between cars or theirs is in for a repair.
As long as you inform the insurance that they will be the main driver for that length of time there shouldn’t be a problem.
I’ve only ever been charged an admin fee of a few pounds.
I trust them to pay any parking or other fine, not that there’s ever been any.

foxie48 Wed 20-Jul-22 16:09:07

Yes, I wouldn't hesitate and have done in the past. Co-incidentally I've just got back from my daughter's, leaving OH to drive daughter's car back home. She's away for three months and won't be using her very smart car so she suggested I use it. It cost £42 to put me and OH on her insurance but it's really for me "to enjoy". She's paid for the insurance.

Doodledog Wed 20-Jul-22 16:11:43

If I could drive, and if I had a car, and if I knew I wouldn't be driving for 6 weeks then yes - I'd let her have it. She would do the same for me, as would my son.

If you feel you need to, maybe make it clear that she is responsible for any associated expenses though?

Casdon Wed 20-Jul-22 16:12:06

Yes I would, she’s a better driver than me! However, I need my car as I live in the sticks and drive my son to work in it, so instead I’d help her financially to hire a car whilst hers was being repaired or she found a new one.

MerylStreep Wed 20-Jul-22 16:15:13

I don’t see the problem. Unless she’s a bad driver, what’s the problem? It’s your daughter.

Smileless2012 Wed 20-Jul-22 16:19:08

That's a good deal Callistemon, friends of ours added their son for 48 hours and it was £80shock.