Hiring a vehicle privately (peer-to-peer) is governed by the Consumer Rights Act 2015 (if a business hires to consumer) or general contract law. Crucially, the hirer must be insured — the vehicle owner's standard insurance may be invalidated during a hire. Specialist hire insurance is essential.

• Standard motor insurance is typically invalidated when vehicle is hired out
• Both parties should verify insurance before handover
• Commercial vehicle hire may require operator's licence under Road Traffic Act
• Mileage limits should be clearly stated with excess mileage charges
• DVLA check codes: owner should verify hirer's driving licence before handover

Legal reference: Road Traffic Act 1988; Consumer Rights Act 2015; Supply of Goods and Services Act 1982