Maybe you can answer my question? It didn’t even work out for my insurance company (well, it’s “optical” 130 years old ). The following: I lend my vehicle to an acquaintance. My vehicle is fully insured and registered as a company vehicle or a fleet vehicle, but is mainly (99.9%) moved by me. According to Police, everyone (always as old) is allowed to drive the car if I give him permission. If I give someone permission to drive my car now to take and he causes or provokes an accident, but he also has his own vehicle etc., must then pay my insurance or his? This would increase my contributions for the insurance, wouldn’t it? Even if I didn’t drive, right? And further: if I NOT give him permission to move my car (keys lie somewhere and he/she takes them without asking) and builds an accident, who is then “responsible” or which insurance must pay? Dan As I said, my insurance broker could not explain or answer me… (Poverty certificate as I find) Greetings DDD