Likewise my LV policy has this feature.
But I always remember checking the policy before joining a car share scheme after a colleague was involved in an accident in which he was seriously injured and spent the rest of his life in a wheelchair.
He had been given a lift to work and the driver was involved in a head on accident.
When the claim was sorted , it turned out that the passengers weren’t covered and so the injured person had to claim damages from his work colleague, which involved care for the rest of his life and moving to a purpose built bungalow to be on one level.
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