Being insured as a primary or secondary driver is not really the same. Discover the differences between these two statuses.
When purchasing auto insurance, especially if it’s your first time, it’s not always easy to know where to start. While the advent of online quotes and procedures greatly facilitates subscription, there are, however, a few questions that can sometimes remain unanswered. And among them, that relating to the cmain and secondary undulator. What are the differences between these two statuses? What are the rules? Are the guarantees the same? So many questions that we will answer in our article below, in order to help you understand everything, so as not to make mistakes.
What are the different types of drivers?
First of all, you should know that there are no less than three very distinct statuses: the main driver, the secondary driver and the occasional driver. The first is the one who is usually the owner of the vehicle, or at the very least, the one who uses it most often. It is in his name that it is insured. For his part, the secondary driver is a second person who is required to regularly drive the insured car. It could be a spouse or a child, for example. Finally, with regard to the occasional driver, you should know that his name is not listed on the insurance contract. This is indeed any person to whom the car is loaned from time to time. This is then covered by a “steering wheel loan” guarantee, which is however not compulsory and generally not included in most of the offers ofCar Insurance.
Is the secondary conductor also well covered?
First of all, you should know that the secondary conductor must not use the insured vehicle more often than the main driver, in which case the insurer may consider it a false declaration, then liable to termination. If the secondary driver is not responsible for the payment of the premium or the declaration of claims, he is on the other hand as well protected as the main insured, then benefiting from the same guarantees as the latter. Note also that the secondary driver also benefits from the bonus of the main driver, in the absence ofresponsible accident. Conversely, if a claim is caused by the second insured, the impact on the reduction-increase coefficient (CRM) will be the same as if the owner of the vehicle is involved. Indeed, you should know that the CRM is attached to the vehicle and not to the insured.
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