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Old 09-03-2019, 09:15 PM   #1
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Insurance for family member borrowing RV.

This may not belong in this section....but our adult son and family would like to borrow our Class C for a few days. Our insurance agent said our insurance will cover no one driving it but me and my spouse. Can anyone give me information if this is even a possibility with any other insurance company? I thought that if you are covered it goes with you no matter what or whose vehicle you drive but the agent said that is not true even on other people's vehicles. We do pay extra on our insurance for RV coverage.
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Old 09-03-2019, 09:22 PM   #2
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My old policies let me have anyone I gave permission to the ability to drive my vehicles with insurance.
Now that is not allowed with the two companies I've been with.
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Old 09-03-2019, 09:35 PM   #3
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That doesn't sound right. If your vehicle is insured, and you let someone borrow it, it's still insured. That person does have to be legally able to drive. No suspended license or anything like that. You also can't just give your vehicle to someone else and say they were borrowing it because then it's fraud. It's very unlikely that anyone would do that with an RV though.
It just doesn't make sense that an insurance company wouldn't let you loan your vehicle to a family member.
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Old 09-03-2019, 09:46 PM   #4
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You should at least be able to add them to the policy as named drivers. For a price, as they’re likely in a higher risk group than you are.

You’ll get better answers if you tell where you are and what company. Insurance regulations and policies vary depending on location.
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Old 09-03-2019, 09:47 PM   #5
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It depends on the company. If your agent tells you no, then the answer is no for that company. You could call around to other carriers & ask but do you want to go to the hassle of dropping your current coverage & getting another just to let someone borrow your RV? Check the difference in rates if you decide to go that route.

You could drive it to the location & set it up (have someone in a car follow you so you can get home), then come back later to retrieve your RV.

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Old 09-04-2019, 06:33 AM   #6
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Interesting. I thought you insured vehicles but rated drivers. So incidental use wouldn’t be covered if they were traveling with you and they took a shift driving?
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Old 09-04-2019, 08:05 AM   #7
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Quote:
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Interesting. I thought you insured vehicles but rated drivers. So incidental use wouldn’t be covered if they were traveling with you and they took a shift driving?
That may be different since you are with them.
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Old 09-04-2019, 08:14 AM   #8
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My ins through the Hartford is specific to the vehicle and named drivers. Might just be a WA State thing though.
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Old 09-04-2019, 09:06 AM   #9
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NJ is the same. Maybe all ins. is going that way.
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Old 09-04-2019, 10:30 AM   #10
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This has really raised a big question in my head! I'm calling my insurance agent today to check it out!
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Old 09-04-2019, 10:44 AM   #11
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NJ is the same. Maybe all ins. is going that way.
I have 3 different Ins company's for 3 different types of vehicles and only the named are on the insurance. All state no drivers under 25 and named are covered. Didn't check any further into it. Never saw a need.
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Old 09-04-2019, 04:18 PM   #12
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I called my insurance agent about this. We have Safeco on the MH and our autos.

She wasn't positive so she called Safeco. They told her that our insurance is good with any licensed driver that we might loan the MH to! They said that if we would be letting someone else use it on a regular basis that we should add their name to the drivers list, which can be done at no charge to us.
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Old 09-04-2019, 08:07 PM   #13
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We've been with National General through Good Sam for decades - there have been several times when our adult sons have borrowed our car, and they are covered when they are driving. We call NG whenever we lend out the car, but we are told each time that we don't have to call - they're automatically covered, so long as we give them permission to drive.
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Old 09-05-2019, 09:47 PM   #14
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Thanks everyone for your input. We are just west of St. Louis, MO. We bought our motor home (class C) with the thinking that we would be able to watch our adult 2 kids also enjoy it from time to time with their families. Our AAA agent said that only my spouse and I are covered. Our son called and his insurance agent (America Family) said that if he was driving it our insurance (AAA) would provide the coverage if there was an accident which contradicts what our agent said. We're going to dig a little more because this doesn't make sense. I guess they don't want us loaning any of our vehicles to anyone. May just need to change insurance companies.
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