The effect of the regular driver on your insurance policy
The importance of being truthful with your insurer
One of the most important questions that your insurer will ask you when you take out an insurance policy is regarding who the regular driver of that particular vehicle will be. It is vitally important that this question is answered as accurately as possible. This is even more important when submitting a claim following an accident or incident.
Insurers view the regular driver as the person who drives that particular car the most. The regular driver is an important part of the insurers risk calculation and their status is critically important when several aspects of the cover is calculated.
Who the regular driver is has more of an impact on the insurance policy than what many motorists might be aware of.
The risk profile of your insurance policy is based on the person who is going to drive that particular car most often so if someone else drives the car on a more regular basis than what you do, your insurance premium needs to be calculated based on their profile. If this information is not truthfully communicated with your insurer, they could decide to repudiate any claims following an incident or accident.
In fact, providing incorrect information about the actual regular driver is one of the most common reasons for claims being rejected in the event of an accident.
New inexperienced drivers are more likely to be involved in an accident than those that have been driving for years. The result is that in most cases younger drivers will be required to pay higher premiums, tempting parents to say that they are the regular driver of the car, in order to take advantage of lower premiums.
No matter who the regular driver is, under most comprehensive insurance policies the vehicle will be covered when other licensed drivers are behind the wheel, but your policy schedule will most likely list different excess payments for drivers below a certain age for example.
The best practice is to provide your insurer with the most accurate information possible, which will give you peace of mind in knowing that you will most certainly be covered should you need to claim following an accident or incident.