What if my friend drives the car?

Don't. Letting an unauthorized driver behind the wheel voids the insurance policy entirely. The financial liability is yours. It's also grounds for membership review.

The insurance policy specifies who is covered to drive each vehicle: the verified primary co-owner, plus any verified secondary household driver added to the policy. Anyone else is uninsured, including your friend, your business partner, your significant other unless they're added.

If an unauthorized driver gets in an accident

The insurance policy doesn't pay. Period.
All third-party damages (other vehicles, property, injuries) are personally yours.
Vehicle damage is yours to pay for at full repair cost.
RYDA may review your membership and request you list your share for sale.

How to add an authorized driver legitimately

Adding a household secondary driver (spouse, partner, adult child living with you) is a $250/year add-on. The secondary driver clears the same identity and driving record check as the primary. Once added, they can drive on the same coverage. Non-household drivers cannot be added.

We mean it. The 'just for a quick drive around the block' moment is when one accident wipes out years of saved cost. If your buddy wants to drive, get them a RYDA rental booking, that takes 5 minutes, costs a daily rate, and is fully insured.

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