All motorists must carry insurancee. It is an essential element whose absence does not allow you to take the road. However, besides the owner, any driver of the car should be declared.
Moreover, a doubt nevertheless remains with regard to drivers who are only occasional, that is to say, those who take the vehicle only rarely. Should he, too, be registered in the contract with insurer? Here’s what you need to know regarding it.
Definition of occasional driver
First of all and to avoid any confusion, it is imperative to clearly define what an occasional driver is, especially in view of the insurer. First of all, it is an individual who must, of course, have a valid driver’s license.
The law provides that this status is granted to a person who drives the (family) car exceptionally well, that is to say, not daily and only in case of imperative. Thus, it is possible to qualify the driver as being occasional if he takes over from the main driver who is tired or who is temporarily unable to perform his role. It is not necessary that there is a family relationship between the two protagonists.
Declaration not always mandatory
It all really depends on the policy of the insurer. When a customer subscribes to a classic car contract, there may be a clause concerning the vehicle loan. The owner can, in this case, let another person drive your car temporarily and occasionally without this being the subject of a declaration or special documentation with the insurance company.
Thus, in the event of a claim, the guarantees should activate normally. However, the adversary or the insurer may request an investigation to determine whether the driver actually used the vehicle occasionally.
Charges if the occasional driver is included
On the other hand, other insurers are not very inclined to authorize the loan of a vehicle to a third party without conditions. Thereby, a special guarantee should be included in the contract for occasional drivers. No real need to give your identity, but costs may be added compared to the basic contribution.
The additional amount may vary according to several criteria. The charge is often nil if the subscriber mentions an experienced driver. Otherwise, the prices increase as the risks are high. Parents can also opt for young driver status for their children.
