Can Someone Else Drive My Car?

The simple answer

Yes, someone else may be able to drive your car, but coverage depends on your policy terms. In Malaysia, PIAM advises drivers to check whether additional drivers are named on the policy or whether the policy is on an All Drivers basis to avoid complications such as compulsory excess.

Named driver vs any driver

• Named driver: only the listed drivers are covered under the policy terms.

• All drivers: coverage is extended to other permitted drivers, subject to the policy conditions.

Do not assume every policy works the same way. Always check the policy schedule and the wording on excess, driver eligibility, and any exclusions.

Why this matters in a claim

If an unnamed or ineligible driver is behind the wheel, the claim may be affected by additional excess or other policy conditions. For high-value vehicles, or when different people regularly use the car, it is worth reviewing the policy before renewal.

How to reduce risk

• list frequent drivers correctly

• review age and licence conditions

• check whether your policy uses named-driver or all-drivers cover

• keep a copy of your policy schedule in the car or on your phone

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Frequently Asked Questions

1. Is my friend automatically covered if they drive my car?

Not always. Coverage depends on whether your policy allows that driver.

2. What is the difference between named driver and all drivers coverage?

Named driver cover applies to listed drivers; all drivers cover extends to other permitted drivers, subject to certain policy terms.

3. Can an unnamed driver affect my claim?

Yes. Some policies may apply extra excess or other conditions if the driver is not named.

4. What should I check before lending my car?

Check your policy schedule, driver conditions, and any excess that may apply. Don’t forget to talk to your insurance provider for more information about the policy.