Carpooling and insurance

Practical guidance

Check your policy wording and insurer's guidance about vehicle use, passengers and whether an arrangement could be considered commercial. Carpool arrangements work best when participants agree expectations in advance and follow applicable rules.

Key considerations

• Agree routes, timings and meeting points.
• Keep cost sharing transparent.
• Use safe pickup and drop-off locations.
• Respect traffic laws and vehicle requirements.
• Verify current local rules when the arrangement is organised or unusual.