Note: This information is only relevant to owners on our Instant Keys Plus+ or legacy $60/month plans. Owners on our Instant Keys or Key Handover plans need to keep their own insurance for when they and their friends or family are driving. If you are borrowing a car, learn how you can share the driving.
Car owners on our Instant Keys Plus+ or legacy $60/month sharing plan can nominate up to five friends or family to be covered under the insurance when driving their car. You can edit this list at any time in the website or app - you just need to make sure to nominate them before they drive.
Anyone who drives your car must be added to your Additional Drivers list.
When you list your car on our Instant Keys Plus+ or legacy $60/month sharing plan, your car is covered by our comprehensive insurance at all times. You and up to five nominated ‘Additional Drivers’ can drive your car and be covered by our insurance (as well as all Borrowers who book your car). If any other person drives your car and causes damage, it will not be covered under our comprehensive insurance policy.
If you wish to have any other people driving your car (e.g. your spouse, partner, adult son or daughter, flatmate or friend), you will need to add them as ‘Additional Drivers’. It’s easy to do, but you must do it before they drive.
Who you can nominate
To qualify, an Additional Driver must:
- hold a valid licence to drive (which may be a learner’s or provisional licence, noting however that a higher Damage and Loss Liability will apply in respect of any Loss or Damage, as set out below)
- be nominated by you prior to driving the car
- abide by the relevant terms and conditions of the Member Agreements when driving the car
- not be a Member of Car Next Door, unless the person is also a member of your household
- not pay you for the use of the car (if payment is involved it must be booked through the platform)
Nominating Additional Drivers
- Log in and go to Cars > Manage this car > Edit profile > Insurance in the website, or Cars > Profile in the app
- In the 'Nominated additional drivers' section, enter the names of the people you'd like to nominate as additional drivers
- Click 'Save changes' in the website or 'Add driver' in the app
Higher Damage and Loss Liability for young, elderly or learner additional drivers
In the event of damage being caused by your Additional Driver, You are liable to pay an amount up to the following Damage and Loss Liability:
|Additional Driver’s Age and licence type||Damage and Loss Liability|
|Driver of any age with a learner’s or provisional licence||$3,000|
|16-20 (any licence type)||$3,000|
|21-24 or over 75 (with unrestricted licence)||$2,000|
|25 to 75 (with unrestricted licence)||$500|
Booking your car for an additional driver
If one of your Additional Drivers would like to use your car, they'll need to ask you to block it out for them in your calendar. If they need to use the key that's in the lockbox, you can generate a lockbox code for them. Make sure you remind your Additional Drivers to put the key back in the lockbox ready for the next borrower when they're done.
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