Carpooling: do you need to take out special insurance?

Carpooling is a selfless offer of transport service, the possible financial consideration of which is limited to sharing costs (fuel, tolls for example).

If you offer carpooling, your car must be insured at least with the mandatory insurance civil liability.

This insurance covers any damage that you or your vehicle may cause to third parties in the event of a loss.

Passengers who travel with you in a carpool are also covered by this mandatory insurance.

The insurance contract may provide for cases in which there will be no compensation or only limited compensation. These include:

• You carpool on home/work trips when you have told your insurance policy that you do not use your car for these trips
• You wish to entrust the steering wheel to a carpooling passenger, while your contract prohibits the steering wheel loan or provides for an increase in frankness in the event of a disaster
• You drive a company vehicle and your employer has not given you permission to carpool
• You make a profit by making passengers pay more than just their share of the cost of the journey (you will then be considered a professional carrier, which would require specific professional insurance)

You must therefore check the terms of your car insurance contract before carpooling.

You can take out a special carpooling guarantee to avoid any problems.