My family just moved to the suburbs, and we plan to lease a new car for my wife to drive. We will eventually hire a new nanny and intend for her to be one of the drivers of the new car.
How difficult is it to add a non-family member as a permitted driver of a leased car? Are leasing companies ever resistant to this? Would they charge me extra?
Your best option will be to call the finance company of the vehicle in question and ask. Some contracts are very specific about not allowing this without prior written agreement and the answer here may vary depending on which bank youâre talking about.
Iâm sure someone will come along and say that it doesnât matter at all that the contract says that, but itâs an easy phone call to make to find out the actual answer as it pertains to your contract.
About as difficult as handing the nanny the keys and your shopping list.
Donât overthink it. Just make sure your nanny has auto insurance and/or is a named driver on your policy.
As Matt mentioned above you can certainly call your bank and ask if it will make you feel better.
If leasing companies were really that strict about letting a friend or nanny drive the car on certain occasions then that would be a huge black eye on the leasing model.
Makes sense. Appreciate your input, jeff and mllcb!
I donât think the rep from the finance co is going to have this exact answer in their script so they are going to default to saying some variation of ânoâ whether they understand the question or not.
I would focus on making sure you are squared away from an insurance standpoint, by either having them on your insurance if required by the insurer or by having their own insurance with the appropriate coverage, not just minimum liability.
The only REAL problem I can see if the ânannyâ crashes the car is Gap might not be qualified since a non owner was driving it. Insurance will cover it, but if there is a gap that is a liability
Since when did leasing companies restrict drivers?
Itâs usually just an insurance requirement.
As long as the vehicle generally stays in your possession and isnât assigned to a third-party, yes.
There is a difference between âI am leasing this car, but allowing my nanny to drive itâ, and âI leased this car for my nanny, who lives elsewhere, and is here a few hours a dayâ. This situation (so far) sounds like the former to me.
you might want to reread that last line. Without Written Permission from you. Adding the nanny to the insurance could theoretically pass the smell test.
Yah, thereâs ways to work with it by getting consent from the lessor (the you in this context), but itâs not as cut and dry as just let anyone drive it.
Adding the nanny to the insurance would not constitute as written permission from the lessor.
Remember, the I in this context is the lessee and the you is the lessor.
Thatâs interesting!
Hereâs my last Honda lease with nothing like that -
âAllow unlicensed drivers to operate the Vehicleâ
Somewhere else in your Honda lease is a clause on assignment. IIRC itâs covered there.
ah, 26(b) covers Turo.
yah, different leases have different levels of restrictions here, which is why there isnât a one size fits all answer.
if she is only using it occasionally (2-3 times a week or less) i was told by multiple insurance carriers you donât even have to add her to your insurance but confirm with your own provider.
You need to add her. They will disclaim coverage (or at least attempt to) if you dont. As far as letting the lessor know, you dont have to regardless of the contract language. Do you think a BMW lessee is required to get permission form BMW if he wants his girlfriend or child to drive the car? I guarantee that none of the folks suggesting this have ever done so. Moreover, there is effectively nothing BMW can do if you dont notify them. As long as its insured for a loss and they get paid its all good. The have no mechanism to enforce this contractual provision.
That!!! If an accident they will ask , what is her address, and when you say yours, DENIED
If you have less cars than drivers then adding her is minimal.
Well that took longer than I expected
Insurance always follows with the car no matter whoâs driving as long as you gave them permission to drive. You may get some additional questions/digging if a claim is filed but itâs covered.
Still good idea to add the additional driver on the policy if they are going to be a regular driver.
