If, however, in the event of a motor vehicle accident, ICBC is of the belief that the principal operator was falsely declared, you can be held in breach of your policy. Does that make sense? This is done in an attempt to secure lower premiums. The driver who clocks the most miles is considered the primary driver and is listed first on the policy. Rotate image Save Cancel. I think if you both have the same discount then it should be fine because you’re not taking advantage by insuring with the lower rate driver. My spouse will drop me off at work and take the car for personal errands, she is unemployed at the moment.
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My spouse will start working full time soon. I think if you both have the same discount then it should be fine because you’re not taking advantage by knsurance with the lower rate driver.
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. Each driver who shares the address on the policy and may drive the car at any time should be listed. ICBC – main driver consideration I own a vehicle, working part time 5 days a week. 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.
This is done in an attempt to secure lower premiums. 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 one person paired with one car.
ICBC – main driver consideration – Forums
How this status is assigned can have a dramatic affect on your auto insurance costs. You can just leave it as is.
But do make sure you have the correct drive-to-work and distance-to-work options on your ICBC insurance if you are making a change in your usage pattern.
If the driver does not have as good a safe driving discount as the owner, ICBC often breaches the owner and driver of the contract of insurance. It is this person whose credit, driving history, vehicle use and age will be reviewed. If I let her take my car for work, must I cancel my policy right away and have it under her name?
Ownership and Primary Driver Status Someone may be listed as the primary driver on an auto policy and not own the car. Insuring Multiple Cars If a household has two cars and two licensed drivers, insurers assume that each car will have a different primary driver.
Business Writer Editor Olivia Wakeman has more than 20 years of business writing and business editing experience. The driver who clocks the most miles is considered the primary driver and is listed first on the policy. If a household has two cars and two licensed drivers, insurers assume that each car will have a different primary driver. 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.
What Is Primary & Secondary Driver Insurance? |
This scenario is common when a parent buys a car for a child. In this case, the 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. Other common instances are where there is a husband-wife or boyfriend-girlfriend situation and one partner has a much lower discount rate than the other partner.
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.
What Is Primary & Secondary Driver Insurance?
About the Author Business Writer Editor Olivia Wakeman has more than 20 years of business writing and business editing experience. This is never an issue unless priamry was a child-parent ptimary. Does that make sense?
This will have the effect of you receiving no accident benefits, and, if you are at fault, being held personally liable for any settlement amounts or court judgment against you. You don’t have to change policy mid way through. Small Business – Chron. The primary driver is under the most scrutiny when the policy rate is determined.
If there is no principal operator, then you would need to declare this.
Others will not list inexperienced drivers, or drivers with a history of at-fault claims, as the primary operator. As founder of www. Primary and secondary driver insurance refers to the driver designation of two or more drivers of the same vehicle on the same policy.