Fill in the details below before the sit begins. Once complete, download a copy for both homeowner and sitter to keep.
Agreed steps in the event of any incident
Both parties confirm the vehicle was returned in the agreed condition.
Tip: once downloaded, photograph this completed form and save it to your phone.
The single biggest risk isn't the driving itself, it's the assumption that a homeowner saying "feel free to use the car" automatically means you're covered if something goes wrong. Insurance doesn't work that way. Most policies restrict who's legally permitted to drive a vehicle, and permissive use, being allowed to drive occasionally under someone else's policy, usually comes with real limits. Many UK and US policies cap this at around 12 days a year. If a sit runs longer than that and you're expected to drive regularly, you likely need to be added as a named driver, confirmed directly with the insurer, not assumed.
2026 adds a genuinely new complication worth knowing about: telematics and black box policies. If the car has a black box fitted, driving outside agreed curfew hours or above recorded speed thresholds can void coverage entirely, even for a fully permitted driver. This is worth checking specifically, not assuming a car doesn't have one just because it looks ordinary.
For international sitters, a foreign driving licence often isn't enough on its own. Many EU and UK insurers require an International Driving Permit to validate coverage for a non-resident licence holder. A missing IDP can void coverage completely, something worth checking well before a sit starts, since IDPs typically need to be arranged in your home country in advance.
Fill it out together with the homeowner before the sit begins, ideally during the handover, not after you've already been driving for a few days. Confirm insurance details directly, including whether non-named driver coverage is actually confirmed in writing rather than assumed. Note the vehicle's existing condition and mileage at handover, with photos kept separately, the same principle as documenting a property on arrival. Once complete, download a copy for both homeowner and sitter to keep, and if anything happens during the sit, the incident steps built into the form cover exactly what to do in order.
Not automatically. Most insurance policies have specific limits on non-named drivers, often called permissive use, and these limits vary by policy and country. Confirm coverage directly with the homeowner's insurer in writing before driving, rather than assuming a verbal offer is sufficient.
Permissive use is the allowance many policies give for an occasional, non-named driver, commonly around 12 days a year on UK and US policies, though this varies by insurer. For a longer sit, being added as a named driver is usually necessary rather than relying on permissive use alone.
A telematics or black box policy monitors driving behaviour, including hours driven and speed, and can void coverage if those terms are broken, even for a driver who is otherwise permitted. Ask directly whether the car has one fitted and what its specific restrictions are before driving.
Often, yes. Many EU and UK insurers require an IDP to validate coverage for a driver holding a foreign licence. A missing IDP can void coverage entirely, so this is worth arranging in your home country well before the sit begins.
No. It's a record-keeping template, not a legal contract, and it doesn't replace or modify any insurance policy. Both parties should verify actual coverage directly with the relevant insurer.
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