Insuring a second driver: What do you need to know?

Zapping Autonews Bentley Bentayga EWB (2022): the new declination of the SUV in video

What does a secondary conductor mean?

The secondary driver is opposed to the occasional driver and is generally different from the main driver by the pace of use of the vehicle. If the latter enjoys the status of “primary” due to its frequency or driving time, the secondary driver also proves to be a regular user of the motor vehicle. Related to the policyholder’s car insurance, which is, in fact, the sole decision-maker, the second driver most often wants to be a family member (parent, child, spouse, etc.) or a close to the main driver. Once the official secondary driver has been declared at the level of the insurance body, the car insurance contract includes the two names of the insured, side by side.

How to insure a second driver?

The demarche is simple. As a principal insured, all you have to do is contact your insurance company with the full identity of the second driver. Parmi les renseignements requis, you must be accompanied by a photocopy of your ID, you must have a French driving license, so that you have a history of your previous car insurance contracts. Once all these elements have been transmitted to the expert body and the car insurance quote has been completed and accepted by all parties, the second driver can legally take the wheel of the vehicle and benefit from the same guarantees of protection as the first insured. If a secondary driver wants to become a primary driver, some changes are made to the vehicle documents, such as changing the name on the gray card and rewording the car insurance contract.

What does it mean to add a second driver to your car insurance?

As mentioned above, the second driver is materially and financially protected, as is the main insured. However, if he is responsible for an accident, an accident or damage, the main driver will also be penalized and will therefore be liable for any damage resulting from the reduction-increase coefficient, including in the insurance contract. . In addition, the primary driver’s insurance premium will inevitably be revalued based on incidents that have occurred over the past five years. Any increase resulting from the recalculation of the insurance premium will be equal to the insured principal expense. In addition, if the second driver has recently obtained his driver’s license, he is then considered a “young driver”. Considered to be more risky profiles, due to their lack of experience, young drivers, linked to car insurance, will incur any additional costs for the main driver. However, the addition of an experienced secondary driver, with no driving record, will generally not involve an increase in the insurance premium.

Pour your resume

When purchasing a vehicle, it is necessary to take into account several factors to be certain formulas chosen by the insurance body, which corresponds to its use and use. your driving habits. If there are various guarantees for a formula that ensures the security, at a material and financial date, of the owner and driver of the vehicle, as well as the levels of people, they can protect another driver. But what does that mean?

Leave a Comment