Whether you borrow the car from friends, your parents or a car-sharing platform, in the event of property damage and personal injury suffered by third parties in an accident, the motor third party liability insurance of the vehicle owner will pay.
This means that if, for example, you borrow your girlfriend's car and cause an accident in which another vehicle is also damaged, your girlfriend is liable for the damage caused. Your girlfriend's compulsory motor third party liability insurance covers the property damage to the other vehicle.
The situation is different for damage to the borrowed vehicle itself. This will be covered by your girlfriend's comprehensive insurance, if such an insurance has been taken out. Otherwise, your girlfriend will hold you responsible for the damage and you will have to pay for the entire damage.
If you have third-party driver's insurance, it will cover your girlfriend's deductible as well as bonus losses on the vehicle's comprehensive insurance. If the borrowed vehicle only had single vehicle accidental damage insurance, then the supplementary insurance would cover all of the repair costs.
You can include third-party driver's insurance as a supplement to your personal liability insurance. To do so, select the "Driving motor vehicle owned by a third party" supplement. However, the third-party driver's insurance does not apply in the following cases:
If you use a car for more than 25 days a year
If you borrow vehicles from people in the same household
In the case of rented vehicles
In the case of vehicles from car-sharing companies