For many drivers the car is their pride and joy. So seeing someone else behind the wheel can be an unnerving experience – even when you've knowingly handed over the keys. Whether it's a parking valet or a garage mechanic, you want to be sure that they're covered to drive your vehicle temporarily.
You might assume that your own insurance covers temporary drivers. But is it stated in your policy? In fact, most insurers don't cover damage to a vehicle while in the control of valet parking staff.
Does my car insurance cover a short-term handover?
Car insurance policies should be clear as to whether they do or don't cover someone else drive your car for a short period of time. For peace of mind, AA car insurance does cover you if:
the Insured Car is in the custody or control of a member of the motor trade for service or repair, or of valet parking staff, or is being parked by an employee of a hotel, restaurant or car parking service
But always check your policy before letting the beloved chariot out of your sight.
Motor trade insurance
Motor trade insurance allows businesses, garages and individuals to stay road legal while they have customers' vehicles under their care.
Only legitimate motor trade businesses are eligible for this type of insurance. Their cover starts as soon as you hand over your car keys for the service they provide.
As well premises and contents cover, garages need to have road risk insurance. This allows mechanics to drive vehicles in their care, such as a test drive after a repair. But you can rest assured this policy wouldn't cover them to drive your car around as if it was their own on a Saturday night.
Car valets
Although not as a common in the UK as the US, valet parking is increasingly being offered by airports, hotels, restaurants and entertainment venues. It's certainly convenient, as well as making you feel like a celebrity.
But do check that your insurance allows you to use the service, and what the implications are if your car is damaged.
Meanwhile, the valet parking operator or the business the valet is working for will have their own terms and conditions, so check with them too. Their terms will outline what valet parking insurance they have, with details on what's included and any limitations.
When your car's returned, give it a good inspection before driving away. If your car has been damaged by a valet, or in the car park, the cover they normally offer is very limited. To claim for any damage, you'll need to report it to them when you pick up the car.
Driving other cars
Comprehensive car insurance usually allows the policyholder temporarily to use other cars with third party only cover.
But if you're allowing someone else to drive your pride for an extended period of time, short-term car insurance can offer a higher level of cover and greater peace of mind.
Author: The AA. Published 15 March 2018. Updated 23 January 2025.
