Adding A Secondary Driver To Car Insurance Policy

Since Christiancy and her husband, Clair, of Nebraska, have done this before, they know how to prepare for adding a teenager to their car insurance policy. Instead of adding another car to the policy, share one that is already on the policy and make your teen the secondary driver. It may cost less than if the. Instead of adding another car to the policy, share one that is already on the policy and make your teen the secondary driver. It may cost less than if the teen were the primary driver on a car. - Consider postponing getting a license.

Key points • Ensure you avoid the offence of fronting by declaring who the main driver is • If you add an extra driver you need their permission and, if they have their own policy, they should inform their insurer • Don't assume you're covered to drive another car just because you have a comprehensive policy • Depending on the circumstances, short-term car insurance policies are worth considering As a motorist you may need to add extra drivers to your policy for all kinds of reasons and many people share their vehicles. You might assume it'll be more expensive to have multi-driver car insurance than it is to insure just yourself, but that's not necessarily the case. Insuring multiple drivers can even work out cheaper in certain cases, although you need to make sure you're not committing the offence known as. Adding a named driver to your insurance It's simple to take out additional driver insurance. Just get in touch with your insurers or, if, you're taking out a new policy, input the correct details on the form.

When you use Gocompare.com's quotes comparison service, after you've entered the details of the main driver you'll be asked whether you want to add additional drivers - you can add up to four extra named drivers before comparing quotes. If you've chosen to add extra drivers you'll need to input details for them including any accidents and/or motoring convictions that they may have had. Remember that you need the permission of an additional driver before naming them onto your policy. If the named driver has their own car insurance they'll also need to declare to their own cover provider that they have access to another vehicle. Malayalam Serial Amma Actress Names. Some insurers may even offer the additional driver a discount on their own policy based on this additional driving experience, but note that they'll have to be able to prove they have use of another car. Free Windows 7 Download Kostenlos Deutsch Vollversion 32 Bit Mit Key 2016 - Free Torrent 2016 more. Beware of the dangers of fronting Always declare accurately who the main driver of the vehicle is or you risk committing the offence known as fronting. This has been particularly prevalent with young and new drivers fraudulently naming older, more experienced motorists as the main driver on their policy.

See also: • • can be difficult to arrange within any sort of reasonable budget, but it's perfectly legal to be a second driver on the policy of a parent or another relative. It's vital, though, that if you're the person who drives the vehicle most frequently you don't pretend that the parent or relative is the main driver and that you're simply an additional driver. As well as being illegal, this will invalidate your cover, meaning that you won't have valid insurance if you have to make a claim.

Temporary additional driver insurance Sometimes you need to add an additional driver to your policy for just a few days, such as if you're lending your car to a friend. It's often assumed that if the additional driver has his or her own, they'll be covered to drive your vehicle on a basis, but this isn't necessarily the case. In the event of an accident or claim you may find that they're not covered. If this is the case, or you want to ensure that your vehicle has fully comprehensive cover, there are two main options to consider.

These are adding a named driver to your existing policy, or asking the additional driver to take out a. A short-term policy tends to last between one and 28 days and is usually only available to drivers over the age of 21, or perhaps even 25. See also: • • Any claims made on the short term policy should not affect your own, but there might be more exclusions than on a standard policy so read the wording carefully. If you take the other option of adding a named driver to your existing policy, the price you have to pay will depend on the terms and conditions of your cover and on the motorist you want to add. It may be a significant sum, or it may be cheaper than you think. This will vary from insurer to insurer, so if it's something you think you may want to do it's worth looking into potential admin and other costs when you take out your insurance. By Rebecca Lees.

Secondary Anyone who uses your car on a regular or semi-regular basis is a secondary driver. You can have more than one secondary driver (for example, if your spouse and your daughter both drive your car).

Every secondary driver you list on your policy adds to the cost, particularly if it's someone young -- teen drivers are a high-risk group -- or with a bad traffic history. Putting a secondary driver on your policy still works out cheaper than if the driver takes out a separate policy on her own. Extra Cars If your family has two cars, your insurer expects you to share: You can't list yourself as primary on both policies, even if you're the driver who uses both cars the most. Instead, you have to be primary on one vehicle; on the other, you must be the secondary and pick another household member as primary. If you do most of the driving in both cars, take the primary slot on whichever vehicle gets you the best premiums.

Usually your insurance is cheapest when the best driver is the primary driver on the more expensive car. About the Author A graduate of Oberlin College, Fraser Sherman began writing in 1981. Since then he's researched and written newspaper and magazine stories on city government, court cases, business, real estate and finance, the uses of new technologies and film history. Sherman has worked for more than a decade as a newspaper reporter, and his magazine articles have been published in 'Newsweek,' 'Air & Space,' 'Backpacker' and 'Boys' Life.' Sherman is also the author of three film reference books, with a fourth currently under way.