Car Sharing Insurance

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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

Your No Claims Bonus won't be affected

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

Voted by consumers UK's Best Car Insurance Provider four years running

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?

This insurance is intended for people who would like to borrow a colleague, friend or family member’s car. Both the owner of the car and the person borrowing the car can buy this insurance, but you will need the driver’s details and driving licence number to complete the purchase.

If you are the owner of the car, you cannot purchase this insurance for yourself to drive your car. You will need to purchase alternative insurance for yourself to use. For more information please see below.

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

We cover drivers with full licences from 17 years and up, however, for more powerful or expensive cars we may restrict cover based on age.

How long can I buy this insurance for?

We offer cover from one hour right up to 30 days, so that you can buy the insurance for the period you need it instead of having to buy more than you want. You can always extend your policy through your account, or buy more to top it up if you find you need more!

Is there an excess?

Yes, there is a compulsory excess of £750 on the policy, and additional excesses for windscreen damage (£25) or replacement (£95).

If you report an incident and fail to provide proof of the vehicle condition before the car sharing policy began, there is an additional excess of £250. We therefore suggest you take photos of the vehicle just before your cover starts.

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

No, Car Sharing Insurance has been designed to enable affordable car sharing between colleagues, family and friends. If the owner is paid an amount which exceeds the cost of any fuel used, wear and tear to the vehicle, or any parking fines payable, this will invalidate the insurance.

If you own a car and would like to rent it to people you don't know for a profit, why not visit our partners at who allow you to make money off your car and rent it to people in your area.

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

Yes, Car Sharing Insurance is additional cover – the vehicle must have alternative insurance in place for the duration of the rental. There must be alternative insurance in place for the duration of the Car Sharing insurance policy. This insurance cannot be used with vehicles insured on trade or fleet insurance policies.

Can the owner buy this cover for themselves?

No, this cover is exclusively for people who do not own the vehicle. 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?

This insurance does not include ‘Driving Other Cars’, therefore the driver is only insured on this policy to drive the vehicle that appears on the Certificate of Motor Insurance. You can have multiple Car Sharing Insurance policies for the same time period if you would like to be able to drive many cars at once.

For more powerful or expensive cars we may restrict cover based on age, so you may be able to drive some cars and not others.

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, Admiral will include one introductory year of No Claims Bonus if you purchase a policy from Admiral, Bell, Diamond or Elephant.

You will be able to use this No Claims Bonus one year after the Car Sharing insurance policy has ended, providing that you do not make a claim during this time.

As the policyholder, can I use this insurance to drive someone else's car and still have full insurance on my own car?

Yes, this insurance will not invalidate your full insurance on your own car. However, if you make a claim on either policy, you will be required to disclose this when purchasing any future insurance policies.

If you are the owner and someone borrows your car and makes a subsequent claim this will not impact your driving history or require any further disclosures when you next purchase insurance.

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

No, 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 or sharing a car for a short period of time as the car owner will still be covered by their own annual insurance policy.

Can I add other drivers on to my policy?

No, you cannot add drivers on to the policy while it is running. If you would like someone else to use your car, you can take out a separate policy to allow them to use it.

Can the cover be renewed or extended?

Yes, Car Sharing Insurance can be bought as many times as you like - and you can easily extend active policies by logging in to your Customer Account.

Can the cover be cancelled?

The policyholder can cancel their cover through their Customer Account or by e-mailing with their policy number.

If the cover has not started yet, you will receive a full refund. However, due to the short-term nature of the insurance, we do not provide a refund for policies that are cancelled after the policy has started.

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 you need to buy insurance for, you can purchase a few days or hours and then purchase 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.

Is breakdown cover provided with the policy?

Breakdown cover is not provided with this policy. The owner of the car may have existing breakdown cover that may extend to a Car Sharing Insurance policyholder.

Please note that some breakdown providers will only cover an incident if the person driving is on the main insurance policy and may not cover someone driving using Car Sharing Insurance.

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, Bank Holidays Subject to change, closed Christmas Day, Boxing Day & New Years Day.

How do I speak to your Customer Services department?

Car Sharing Insurance is available online only and we are confident that you can find the answer you are looking for in the Frequently Answered Questions above.

If you’ve looked through our FAQs and still haven’t found what you’re looking for, you can e-mail us at:

We aim to respond within one working day. If you are a policy holder, please include your policy number in the email subject line.