We cover anyone who drives your car, even if you haven’t nominated them on your policy1. If the driver of your vehicle is young or inexperienced then an additional excess may apply if they’re at fault in an accident.

What is an occasional driver on insurance?

What is an occasional driver? An occasional, or secondary, driver is added onto the car insurance policy because they use the car once in a while. Often, an occasional driver is a spouse or a child, but it can also be a sibling or roommate.

When do you add a child to your car insurance policy?

However, you are required to add children to your policy if they are going to operate any vehicles on your policy. Your auto insurance company may require you to add your children to your policy if they are licensed drivers that live in your home. This applies even if the child will not be operating the vehicle on the policy.

Can a child drive a car if they dont have insurance?

If your child doesn’t have insurance, they can not drive your vehicle. You risk huge bills and being dropped by your insurer if an uninsured driver crashes your vehicle. The exception is if children only have learner’s permits and are not legally required to have insurance yet.

What happens if I don’t add my teenager to my car insurance policy?

What happens if I don’t add my teenager to my car insurance? Don’t try to beat the system by failing to add your teen driver to your policy. If you do, and your child is in an accident, your car insurance company could deny coverage stating you committed fraud, specifically material misrepresentation, by not informing it of the licensed driver.

Do you have to add family members to your car insurance?

Read on to find out the answer to these questions, and to find out who you should add to your auto insurance policy. Do Members of Your Family Need to Be Added to Your Insurance Policy? Yes, any member of your family who is of the legal driving age and has a valid driver’s license must be listed on your insurance policy.