If I let her take my car for work, must I cancel my policy right away and have it under her name? People not sharing the address and not listed on the policy may still drive the vehicle and be covered under the policy as long as they have been given consent. As founder of www. Insuring Multiple Cars If a household has two cars and two licensed drivers, insurers assume that each car will have a different primary driver. This information — along with the age, make, model and mileage on the car — are the key considerations when a policy is priced. For an example of the serious repercussions that can occur by falsely declaring who the principal operator will be, please see the case of Booth v. Furthermore, primary driver status does not mean the driver is responsible for paying the car loan.
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Some people list a parent as the principal operator, when in fact it will be their teenager that will be the primary operator. Designating Secondary Drivers Each driver who shares the address on the policy and may drive the car at any time should be listed. The primmary who clocks the most miles is considered the primary driver and is listed first on the policy.
In this case, insurrance child is listed as the primary driver, while the parent is responsible for loan repayment regardless of whether or not she’s listed as a secondary driver. ICBCwhere the Court ruled that a woman was in breach of her insurance for falsely declaring that she would in fact be the primary driver, when insuurance actuality it was her son.
My insurance policy is not expiring until March next year. Accessed 28 December If during the term of the original policy the name of the principal operator changes, you would need to bring this to the attention of your Autoplan broker at the time of your next renewal.
ICBC – main driver consideration – Forums
If you are not at fault for the accident, and ICBC states that you are in breach of your insurance policy, then you would receive no accident benefits through them, but would still have the right to sue the other party for damages for pain and suffering, economic loss, and other damages.
It is a standard process for the ICBC adjuster to consider who was driving the vehicle as compared to who is named as the principal operator on the contract of insurance. Common instances of a breach is where a parent is insuring and owing a vehicle which apparently is being driven by a child. Ownership and Primary Driver Status Someone may be listed as the primary driver on an auto policy and not primar the car.
Secondary drivers use the vehicle, too, but not as often. Since we’re both starting new jobs, it’s hard to predict how often each of us will take the car for work in the coming few months.
If the household has three cars and three drivers, such as two parents and a teen, the cars will be matched to the people one to one, with insuance person paired with one car.
CarProof Reports For Sale. You can just leave it as is. Are You a Primary or Secondary Driver?
What Is Primary & Secondary Driver Insurance? |
This information insurancce along with the age, make, model and mileage on the car — are the key considerations when a policy is priced. Your vehicle will then be rated at the base rate on the claim-rated scale and, as such, you will not be entitled to any discount or surcharge, as ICBC will not be able to form a proper assessment of crash risk.
If there is no principal operator, then you would need to declare this. Yes that make sense. If the good driver is the principal operator for all vehicles in the household than that sends out a red flag to ICBC. Get a free claim estimate Get a free, no obligation consultation. Insuring Multiple Cars If a household has two cars and two licensed drivers, insurers assume that each car will have a different primary driver.
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This is never an issue unless it was a child-parent relationship. Each driver who shares the address on the policy and may drive the car at any time should be listed.
Since I work only part time, I am still driving the vehicle most of the time. The end result of doing that is you are basically driving the vehicle without insurance if ICBC finds out about your false declaration and breaches you. Primary and secondary driver insurance refers to the driver designation of two or more drivers of the same vehicle on the same policy.
Kcbc primary driver is under the most scrutiny when the policy rate is determined. Furthermore, primary driver status does not mean the driver is responsible for paying the car loan. If a household has two cars and two licensed drivers, insurers assume that each car will have a different primary driver.
As founder of www. Business Writer Editor Olivia Wakeman has more than 20 years of business writing and business editing experience.