Well.. this is one common problem that I used to find. I quite never learnt the art of refusal. Its a great study and needs situation based analysis to arrive at a solution.
So, whenever I have to say "No", I simple do the following: -
1. Change the topic of discussion
2. Counter attack. Ask something in return. (Obviously not money!!!)
Tell the truth and say, I am sorry that is something I do not feel comforable in doing. I do not want to be without an automobile for any length of time---because an issue may arise concerning my family. If I had two cars it would be different.
If your insurance allows it, then I would consider lending it a good friend with an excellent driving record. Other than that, I would have to say no but offer to drive them places.
Just say NO. Two times i gave my cat to my friends, both of time they accident
Just say no!!!! You are not comfortable with others, friends or not driving your car. If they are a true friend, they will understand and will be fine with it.
Definitely the insurance. My insurance doesn't cover drivers under 30, so I can always say no to my children. Has worked well, 16 year old daughter got job and bought own car and older son just doesn't ask.
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