Hello! I would like to use a friend’s car for a few days while he is on holiday. However, the holder is registered with his car liability insurance as a solo driver. What consequences does it have now if I cause an accident? How does the insurance (DEVK) react? Does the holder only have to pay the tariff difference (for the use of the car by other persons)? Or can it be that in case of damage the liability refuses to regulate the damage? I would like to e assess the financial risk beforehand. Is this calculable? Many thanks in advance for the help of the experts here in the forum!