Insurance and responsibilities


Generally speaking, the rules that govern the use of a car that belongs to the Head of the Tribe are the same as those that govern the loan of a car among friends.
Some insurance companies offer better rates if the insured vehicle is driven by one person only, generally the policy-holder. This does not, in principle, allow other members of the tribe to regularly use the car, and in such cases, the insurance policy needs to be amended.
The Head of the Tribe informs the person who borrows the car of the type of insurance policy it's covered by (civil liability, collision "casco" insurance, partial "casco" insurance, etc.). He should also ensure that the member of the tribe holds a valid driving license.

Is the car of the Head of the Tribe insured when it's driven by another member of the tribe?
Any registered vehicle has mandatory civil liability insurance for damages caused to third parties. The Head of the Tribe may also choose to undertake partial or collision "casco" insurance for his vehicle, to cover the damages he might incur. Finally, the Head of the Tribe may have subscribed to an accident insurance covering all the passengers of his car.

If the Head of the Tribe lends his car, who pays for damages caused to third parties in case of an accident?
In case of an accident, damages caused to third parties are covered by the mandatory civil liability insurance held by the party liable for the accident. It should be noted that the Head of the Tribe's insurance deductible and his civil liability premium may increase in such a case.
These two items should be discussed by the Head of the Tribe and its members prior to the loan of the car.
The extra costs may be borne by the liable borrower. In some cases, the borrower's civil liability insurance - if he holds one (see question 4) - may cover such expenses.

If the Head of the Tribe lends his car, who pays for damages caused to his vehicle in case of an accident?
If the car is insured against collisions ("casco"), it is covered in case of an accident. It should be noted that the insurance deductible and the "casco" premium of the Head of the Tribe may go up as a result.

These two items should be discussed by the Head of the Tribe and its members prior to the loan of the car.

The extra costs may be borne by the liable borrower. In some cases, the borrower's civil liability insurance - if he holds one (see question 4) - may cover such expenses.

Does the private civil liability insurance of the members of a tribe cover damages caused to the car of the Head of the Tribe?
Generally speaking, the private civil liability insurance covers damages caused during an occasional use of a vehicle. We recommend that you check that such a provision is included in the insurance contract, and to have it included if this is not already the case.

Warning: for families and households, the "use of the vehicle of a third party" policy is not applicable.

For further information regarding roadside assistance, click here.
For further information regarding vehicle insurance, click here.
For further information regarding legal protection, click here.