Operating lease and change of driver: who can use the car and under what conditions

In the daily use of a car, the person behind the wheel often changes. Partners, family members or colleagues naturally take turns driving, but with a contractual solution, the question arises as to what happens with a change of driver. In this area,operating leases have clearly defined rules that determine who can use the car, what the responsibilities of the individual drivers are and what to watch out for to avoid unnecessary complications. This article explains how a change of driver works in practice and what is important to know before handing over the keys to your car to the next person.

Why the driver issue in leasing is more common than it seems

In practice, few people use a car exclusively alone. Changing drivers is particularly common:

car sharing in the household,
Irregular transfers and help with errands,
longer journeys where drivers take turns,
situations where the main user cannot drive.

However, operational leasing is not only a practical issue, but also a contractual and liability issue.

Who can drive the vehicle

The basic rule is that the vehicle may be driven by a person who meets the conditions set out in the contract. This is usually:

the contractual user of the vehicle,
other authorised persons specified in the contract,
drivers who meet the legal conditions (age, driving licence).

An operating lease does not restrict the use of the car to one particular person, but requires clear rules to be followed.

Responsibility when changing the driver

Even if another person drives the car, the responsibility for its use remains clearly defined. In practice:

the driver is responsible for complying with the traffic rules,
the contract user is responsible for the condition of the vehicle,
offences and fines are linked to the individual driver.

It is therefore important that each person behind the wheel knows the basic rules for using a leasing vehicle.

Impact of a change of driver on insurance

One common concern is the issue of insurance. With an operating lease, the vehicle is insured regardless of who is currently driving it, as long as they are the licensed driver.

This means:

the insurance applies even if there is a change of drivers,
there is no need to take out new insurance,
the coverage covers the normal use of the vehicle.

Exceptions can only be made in the event of a breach of contractual or statutory conditions.

Changing drivers in everyday practice

In real life, a change of driver takes place naturally and without administrative intervention, as long as the basic rules are met. The most common are:

short-term car rental,
taking turns during a single journey,
occasional use by another person.

It is important that the vehicle is not used by unauthorised persons.

Risks of non-compliance

Use of the vehicle by an unauthorised driver can lead to:

Problems in an insurance claim,
Liability for damages,
Breach of the terms of the contract.

It is therefore always advisable to check who can drive the vehicle and under what circumstances.

How we at Payless Gigarent approach the change of driver

Payless Gigarent communicates the rules for the use of vehicles transparently already when the contract is concluded. Clients are clear about who can drive the vehicle and what the terms of liability are when multiple people use the vehicle.

The focus is on:

Clear contract terms and conditions,
a fair approach to normal use,
minimising the risks of insurance claims.

Frequently asked questions

Can a car be driven by a person other than the contract user?
Yes, as long as it meets the conditions set out in the contract and the law.

Does any change of driver need to be reported?
Usually not in the case of a normal rotation.

Does the insurance apply if there is another driver?
Yes, as long as it is an eligible driver.

Who is liable for the fine?
The driver who committed the offence.

Can a change of driver affect the leasing contract?
Only in the event of a breach of its terms.

Driver changes are common in operating leases.
The rules determine who can drive the vehicle.
The responsibilities of the driver and the user are clearly divided.
The insurance applies even if the driver changes.
Compliance with the terms and conditions prevents complications.

Changing the driver is a natural part of using the car and the operating lease takes this into account. If you know the rules and follow them, the car can be used safely and without problems by several people. If you want to be clear about the terms and conditions of multi-driver use, ask for detailed information before you sign the contract.

Changing the driver in an operating lease