Contrary to popular belief, car insurance typically follows the vehicle, not the driver. This means if you lend your car to someone else, your insurance will be the primary coverage in the event of an accident (2).

In India, you can generally let your fiance drive your car without legal issue, provided they hold a valid Indian driving license for that class of vehicle. Under standard Indian motor insurance policies, the "liability follows the vehicle," meaning your insurance will likely cover damages to third parties even if someone else is driving with your permission. However, there are critical "fine print" risks to consider. If your fiance is involved in an "at-fault" accident, your No Claims Bonus (NCB) will be reset to zero, and your future premiums will likely increase. Additionally, if your policy is a "Restricted Driver" type (common in some premium or high-end car plans), coverage might be denied if the driver is not explicitly named. For absolute peace of mind, you can add them as a "Named Driver" to your policy for a small fee. Always ensure they are not under the influence and that the vehicle's registration and pollution (PUC) certificates are current before handing over the keys.