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Would you lend your car to your daughter.

(132 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.

nandad Wed 20-Jul-22 16:51:48

I would but would stipulate when I wanted it back as it could turn out to be a long term loan.

Elizabeth27 Wed 20-Jul-22 16:49:10

Definitely, I have leant my car to many people after checking their insurance status.

BlueBalou Wed 20-Jul-22 16:45:04

I’d happily do so for either of my DCs, as would DH. We notified the insurance companies, paid any extra.

VioletSky Wed 20-Jul-22 16:32:27

I can't say I wouldn't be anxious about it but I definitely would lend my car. I'd ask it to go on their insurance though as I could take mine off temporarily without losing my no claims bonus.

It also might be useful fir you if you need support.

Hope your op goes well

Callistemon21 Wed 20-Jul-22 16:28:53

Smileless2012

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

Perhaps it depends on age and how long they have held a driving licence Smileless

And it depends on career too for some reason.

Mine Wed 20-Jul-22 16:25:14

I would defo lend any of my family my car as long as they were able to be on my insurance....After all its easily replaced...

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.

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.

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.

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?

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.

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.

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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!

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

Not at all
How old is your daughter?