Guidelines and Rules

The Association of British Insurers clearly states that as long as no profit is made, lift sharing will not affect the insurance of their members. A statement from the Association of British Insurers can be seen below:

"Motor Conference Undertaking

The receipt of contributions as part of a car sharing arrangement for social or other similar purposes in respect of the carriage of passengers on a journey in a vehicle insured under a private car policy will not be regarded as constituting the carriage of passengers for hire or reward (or the use of the vehicle for hiring) provided that:-

(a) the vehicle is not constructed or adapted to carry more than eight passengers excluding the driver
(b) the passengers are not being carried in the course of a business of carrying passengers
(c) the total contributions received for the journey concerned do not involve an element of profit

Note: If in any doubt whether a car sharing scheme arrangement is covered by the terms of a private car policy thepolicyholders concerned should make an inquiry to their motor insurers

Motor Conference is the Standing Joint Committee of the Association of British Insurers and Lloyds Motor Underwriters' Association"

(Source: Association of British Insurers June 1998)

However if you would like to contact your insurer regarding your personal policy, you can use our template letter below.

Template Letter

To (Your Insurance Company)

Policy Number: (Your Policy Number)

Re: Fuel Contributions

I have recently joined a lift sharing platform. When I use this platform to arrange and give lifts to others, I will receive a cost contribution towards the petrol and running costs of the journey. I will not make any profit from the lifts I give or from using the platform. Can you please confirm that this will not affect or invalidate my insurance in any way.

I have included a statement by the Association of British Insurers on this subject below.

Yours sincerely,


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Motor Conference Undertaking

The receipt of contributions as part of a car sharing arrangement for social or other similar purposes in respect of the carriage of passengers on a journey in a vehicle insured under a private car policy will not be regarded as constituting the carriage of passengers for hire or reward (or the use of the vehicle for hiring) provided that:-

(a) the vehicle is not constructed or adapted to carry more than eight passengers excluding the driver
(b) the passengers are not being carried in the course of a business of carrying passengers
(c) the total contributions received for the journey concerned do not involve an element of profit

Note: If in any doubt whether a car sharing scheme arrangement is covered by the terms of a private car policy thepolicyholders concerned should make an inquiry to their motor insurers

Motor Conference is the Standing Joint Committee of the Association of British Insurers and Lloyds Motor Underwriters' Association

(Source: Association of British Insurers June 1998)