{"id":64,"date":"2015-07-23T13:08:26","date_gmt":"2015-07-23T13:08:26","guid":{"rendered":"https:\/\/www.indwe.co.za\/indwe-blog\/2015\/07\/23\/should-your-teenager-be-driving-your-car\/"},"modified":"2015-07-23T13:08:26","modified_gmt":"2015-07-23T13:08:26","slug":"should-your-teenager-be-driving-your-car","status":"publish","type":"post","link":"https:\/\/www.indwe.co.za\/indwe-blog\/should-your-teenager-be-driving-your-car\/","title":{"rendered":"Should your teenager be driving your car?"},"content":{"rendered":"<figure><img decoding=\"async\" src=\"http:\/\/68.media.tumblr.com\/dc81db4e1bf781a537eaa5547b244e85\/tumblr_inline_nrxz1fCQg71r965u9_540.jpg\" \/><\/figure>\n<p>Have you ever been in a position where someone wants to borrow your car? Perhaps it is a friend who needs it for a camping trip or someone who wants to borrow it to go to an urgent appointment. It can be difficult to refuse, but you should consider a few factors before saying yes.<!-- more --><\/p>\n<p>\u201cWhen you lend your car to someone else, you\u2019re also lending them the insurance that goes with it. That\u2019s why it\u2019s important to be aware of the implications\u201d says Peter Olyott, CEO of Indwe Risk Services. \u201cMany people give their cars to their teenage children as they learn to drive without understanding what the implications would be if they were involved in an accident.\u201d<\/p>\n<p>It is essential to ensure that the person driving your car is legally allowed to drive. \u201cIf they don\u2019t have a valid driver\u2019s license, the insurance policy attached to the vehicle won\u2019t pay out a claim, and you will be liable for damages and injuries sustained in that accident,\u201d says Olyott. \u201cThe risk is huge, not to mention that it will also effect your insurance premium.\u201d <\/p>\n<p>When lending your vehicle to others it\u2019s important to do your due diligence and these important questions:<br \/>\u2022\tWho will be driving the vehicle?<br \/>\u2022\tDo they have a have a valid driver\u2019s license for the type of vehicle that is being used?<br \/>\u2022\tWhat is the vehicle going to be used for?<br \/>\u2022\t For how long will they need the vehicle? <br \/>\u2022\tWhat if the driver does something that violates your insurance coverage? <br \/>\u2022\tYour insurance could be voided in certain situations and then you may be personally responsible for damages \u2013 can you afford that?<\/p>\n<p>If someone, like your teenage child, uses your car on a regular basis, you should inform your insurance company so that they can establish if you need to pay an additional premium. Olyott adds \u201cThis is known as disclosure, an important rule in the Insurance industry. If you withhold information like this, it could invalidate your coverage.\u201d <\/p>\n<p>When another driver is using your vehicle, you are putting your insurance and your good driving record at risk. You are taking responsibility for whatever happens. By asking questions, you can consider the consequences and make an informed decision.<\/p>\n<p>\u201cAt Indwe Risk Services we believe in a personal touch. Speak open and honestly to our advisors. They can assist you in reviewing your specific insurance needs and provide recommendations to ensure you are not caught off guard when you can least afford it,\u201d Olyott concludes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever been in a position where someone wants to borrow your car? Perhaps it is a friend who needs it for a camping trip or someone who wants to borrow it to go to an urgent appointment. It can be difficult to refuse, but you should consider a few factors before saying yes. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-64","post","type-post","status-publish","format-standard","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Should your teenager be driving your car? -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.indwe.co.za\/indwe-blog\/should-your-teenager-be-driving-your-car\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should your teenager be driving your car? -\" \/>\n<meta property=\"og:description\" content=\"Have you ever been in a position where someone wants to borrow your car? 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