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Car Sharing Insurance

Cover yourself when sharing or lending a car

Comprehensive car insurance for friends and family from one hour up to 30 days.

What do I need to get a quote?

Driver's details

Details of the person borrowing the car, including any claims or convictions

Owner's details

Details of the person lending out their car

Registration number

Registration number of the owner's car

I want to borrow a car

Borrow for an hour, weekend or month, it's up to you

If you need to borrow a friend or family member's car on a temporary basis from 1 hour, up to 30 days, then Admiral Car Sharing Insurance could be right for you.

Making a claim? You're covered

Cover can be purchased up to 60 days in advance, or you can select instant cover which will take effect as soon as payment is processed. The cover is comprehensive, which means that, if you need to make a claim, your friend or family member's car is covered up to the current market value.

Crammed full of benefits

Flexible insurance

Our great cover allows you to choose from one hour up to 30 days and you can buy as many times as you need

Instant cover

Our quote process won't take more than 5 minutes, and cover can start as soon as payment is processed

Build your No Claims Bonus

You can earn 1 year's No Claims Bonus for use with Admiral policies by driving claim-free for 30+ days during a 12 month period

Why is this cover for me?

Home from university

I'm only home from university for a couple of weeks but need access to a car

Going on a road trip

I'm going on a road trip with some friends and we want to share the driving

Borrow my partner's car

I borrow my partner's car to commute once in a blue moon

Helping a family member

A family member's unwell and I need to help out with some chores using their car for a few weeks

I want to lend a car

Easy lending for owners

Admiral Car Sharing Insurance is a short-term standalone product that sits alongside your annual policy.

Borrower has their own policy

This means you can lend your car to a friend or family member happy in the knowledge that the person borrowing your car has their own comprehensive insurance policy and, if they need to make a claim, it won't affect your No Claims Bonus.

You can have a policy with any insurer

And you don't even need to be an Admiral customer - you can use Admiral Car Sharing insurance regardless of which company provides your main insurance policy.

Crammed full of benefits

Protected No Claims Bonus

Your bonus is safe if you need to make a claim.

Comprehensive insurance

Our comprehensive insurance means you can feel safe in the knowledge that your car is covered if the borrower needs to claim.

Affordable temporary insurance

Because you're lending your car to someone you know, we've made our insurance as affordable as possible.

Why is this cover for me?

You don't want to be a taxi

My son's home from university and I don't want to ferry him around!

Share the driving

Share the responsibilities of driving when on longer trips

Short term commitment

My partner uses my car from time to time but I don't want them to be a named driver

Help from friends

I'm unwell and can't drive for a few weeks and need a friend to help with the weekly shop

Your questions answered

We know this page is packed full of information, but just in case you have any other questions, we have answered the most commonly asked ones here...

Who can buy Car Sharing Insurance?

The owner of the car or the person borrowing the car can buy this insurance, but you will need the driver's details and driving history.

How old do you need to be to use Admiral Car Sharing Insurance?

We cover drivers from 17 years and up.

What duration is this insurance available for?

We offer cover from one hour right up to 30 days.

Is there an excess?

Yes, there is a compulsory excess of £750.

Who is liable for the excess if the car is damaged?

The Car Sharing Insurance policyholder is the person borrowing the car and they would be responsible for paying the excess.

Can the owner be paid for the use of their vehicle?

No, Admiral Car Sharing Insurance has been designed to enable affordable car sharing between family and friends. If the owner is paid an amount which exceeds the cost of fuel and other reasonable expenses, this will invalidate the insurance.

If you own a car and would like to rent it to strangers for a profit, why not visit our partners at

Does the owner need to have insurance before lending their car?

Yes, Car Sharing Insurance is additional cover – the owner must have their own insurance in place.

Can the owner buy this cover for themselves?

No, this cover is for sharing only. However, the owner can buy the cover for the driver as long as they have the driver's permission and personal details.

Can the policyholder drive any car?

No, this insurance policy will only cover you to drive the car which appears on the Temporary Certificate of Motor Insurance.

Is the policyholder insured to drive abroad?

No, this policy only covers you in the UK territorial limits.

Can the policyholder build their own No Claims Bonus?

Yes. If you have Car Sharing Insurance for more than 30 days in 12 months and don't make a claim, you'll earn one year's Admiral No Claims Bonus for use with Admiral policies.

Can I use this insurance to drive someone else's car and still have annual insurance on my own car?

Yes, this insurance will not affect any other insurance policies you may have in place.

Will it affect the owner's No Claims Bonus if a claim is made?

Any claims made won't affect the car owner's No Claims Bonus. As such, they don't need to declare it to their insurers.

Can the car owner and the Car Sharing Insurance policyholder drive the vehicle during the period of temporary insurance?

Yes, this product is great for sharing driving on long journeys as the car owner will still be covered by their own annual insurance policy.

Can the cover be renewed?

Car Sharing Insurance can be bought as often as you like.

Can the cover be cancelled?

The policyholder can cancel their cover by emailing with their policy number, however due to the short-term nature of the insurance we do not provide a refund of premium.

Can any remaining days cover be transferred onto another vehicle?

No, the insurance is directly linked to the vehicle and cannot be modified. If you are unsure how long insurance will be needed for, you can purchase a few days and then more later.

How soon after getting the cover can the car be used?

If you request instant cover, the policy will begin as soon as payment is accepted.

How do I make a claim?

If you need to make a claim you can contact one of our friendly team on 0330 134 8647

Opening hours: Mon - Fri 8am - 9pm, Saturday 9am - 5pm, Sunday 10am - 4pm

What if I need this policy to last for longer than 30 days?

Car Sharing Insurance can be bought as many times as you need, or, you may want to look at adding a named driver to your existing policy. For more information click here.

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