Secondary driver: how to insure it?
Alt = "What type of insurance to choose for your car?"
Insuring a second driver is actually much easier than you might think! Auto-Moto explains the procedure to you.
It is often thought that when you insure your own car then only you can drive it. It is in fact customary to believe that only the owner of the vehicle is covered by insurance in the event of an accident. In reality, this is not really the case, since it is quite possible to insure another person, who can also use the car from time to time. This is the secondary driver, which is distinguished from the occasional driver. Indeed, at Allianz, if the second is not mentioned anywhere in the contract, the first is named by name, and is therefore authorized to drive the vehicle regularly, if he uses it less often than the main driver. . Because if it turns out that the secondary driver is driving more often than the owner of the car, then the insurance company may consider it a misrepresentation. The penalties provided for in the contract can then be applied, and claims will not be covered.
So, how do you go about insuring a second driver? In fact, it is very simple. At Allianz, for example, all you have to do is mention the person who will be appointed as secondary driver, when you open your contract, or later. Once this information is integrated and accepted by your insurance company, they will then be able to drive your car occasionally and will benefit from the same guarantees as you. The designated person must then provide several supporting documents, including a copy of the driving license, among others. The competition is then up to you, with some companies charging extra for adding a secondary driver, while others do it for free. On the other hand, if the second driver is a young person who has just obtained his driver's license, an additional premium is applied almost all the time. Note that this is generally lower if the latter has opted for accompanied driving.
What about the bonus / penalty?
Rest assured, as a secondary driver, you benefit from the same guarantees as the main driver in the event of a claim or breakdown, depending on the options appearing on the contract. If no accident is declared, the two drivers then accumulate the same bonus, the CRM then being unique and attached to the contract. This is an asset for young people who have just obtained their driving license, who will therefore avoid paying too much premium when insuring their vehicle taker. Conversely, if the main or secondary driver is the cause of a claim, the penalty will be applied to both people. On the other hand, if neither of the two caused the accident, the reduction-increase coefficient remains unchanged.
Finally, if you want to lend your car to someone else who is not mentioned in the contract, be careful. Indeed, some companies do not automatically include the "steering wheel loan", and it is advisable to check the general conditions of the auto insurance to which you have subscribed, in order to avoid unpleasant surprises.
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