I have two requirements for driving my vehicles.
1) You must show respect for vehicles in general.
2) You have to be able to cover the insurance deductible.
If those two requirements are met, I'll consider letting you drive my vehicles.
Although, I will admit, I will let someone borrow my Grand Prix before they can borrow my truck. Then again, nobody outside of family has ever asked to borrow my truck. Anyone else borrows me with it!
My wife loves her Sport Trac and does her best to take care of it. Yeah, it's not spotless, but, no vehicle that gets driven stay that way. She gets pissed off when it gets scratched.
The only thing I won't let her do, not that she would, is take my Nova grocery shopping. If she says she can handle the lack of power steering and brakes, I'm not going to second guess her.