Does car insurance cover additional drivers?
Yes but coverage varies between car insurers. You might find that one insurance company will cover anyone who drives your car even if you have n’t nominated them on your policy, while others will probable charge an excess excess in summation to other excesses. This is besides normally the case if the extra driver is under 25, or over 25 but has less than 2 years driving know. In the majority of cases, you will need to list all drivers on your policy who regularly use the car. If you do n’t, you risk a reduction or refusal of a claim. So you ca n’t put a car policy policy in your name if person else is the main driver. This is called car policy front and it ‘s illegal .
How do insurers treat additional drivers?
Depending on who you are with, you may have to pay an extra excess for early drivers in the event of a claim. These insurers, for exercise, provide the postdate cover :
- Bingle: Unless you list them on your policy, you will have to pay an additional excess on top of your standard excess for claims made for loss, damage, or liability by household members or regular drivers using your car. An unlisted household member or unlisted regular driver excess will be in the region of $1,950.
- Huddle: There is an undeclared driver excess if the driver is under 25 and hasn’t been declared as a driver. This also applies to inexperienced drivers e.g. anyone who has not held a driver’s licence that is valid in Australia for more than 2 consecutive years. It comes with an excess of $800. Excesses for drivers aged 21 to 24 are $1,600 and $2,000 for drivers under 21.
- Budget Direct: Additional drivers under the age of 21 will have to pay a $600 excess and drivers aged 21 to 24 will need to pay $500 in the event of a claim. Drivers who haven’t held a full Australian licence for at least 2 years will have to pay $500, while unlisted will pay $600.
- Youi: Youi have a driver specific excess for unlisted drivers and young drivers, regardless of whether they are a regular or listed driver.
- Virgin: Additional excesses apply when the car is driven by a person who is not excluded but who is not listed as an additional driver. They also apply if they are under 21, aged 21 to 24 and have not held an Australian license for at least 2 years.
- AAMI: If the driver is 25 years or over but have held their driver’s licence for less than two years and are listed on insurance, the excess is $400. If they are not listed, the inexperienced driver excess is $1,400.
- Coles: There is an inexperienced driver excess of $1,200 which applies when the driver of the car has not held an Australian drivers licence for more than two years and is 25 or older. There is also an age excess and an unlisted driver excess.
- Woolworths: There is an additional excess for an undeclared young driver (under the age of 25) and for an inexperienced driver over 25 years of age who has not held an Australian license for at least 2 years.
Are unlisted drivers still covered?
In most cases, yes. however, you will by and large have to pay an extra overindulgence if they are involved in an accident, which can be more than $ 2,000. There is besides generally an age excess load if they ‘re under 25. If person plans to use your car regularly, then the best option is to list them as an extra driver ; that way, you do n’t need to worry about the huge excess. Keep in mind though that there are some insurers who will charge you an extra overindulgence regardless of whether they are listed or not. Some insurers besides wo n’t cover unlisted family members. Be sure to read your product disclosure statement to make certain there are no exclusions like this if you are an unlisted driver .
Does it matter if an unlisted driver gets in an accident?
If an unlisted driver gets in an accident, and you have given them license to drive, you ‘ll probably have to pay your standard overindulgence american samoa well as an extra unlisted driver excess in the region of $ 2,000. other policies however, will void your car indemnity if a driver is n’t listed. You should always check with your provider as to how list and unlisted drivers are taken into report.
While CTP cable car insurance provides protective covering regardless of who is driving your car, some will only cover the drivers nominated on your policy. Some unlisted driver exclusions include no cover for damage, personnel casualty or liability arising out of the habit of your car :
- By any household member not listed on your car insurance certificate
- If your car has an age restriction to help reduce your premiums
- By anyone driving your car without your permission, unless reported to the police
Do I need to list everyone that drives my car?
If person plans to use your car frequently, you should list them on your insurance certificate. It ‘s besides a in truth good estimate to list all family members, provided they plan to use the cable car, as car insurers might exclude unlisted drivers outright. The only clock it ‘s not worth listing person on your car is if they rarely use it. The easiest way to avoid undesirable extra excesses or a claim refusal, is not to let any unlisted person drive your car. however, if you live with person who shares the car, it ‘s credibly worth listing them on your insurance certificate. You ‘ll pay more but it provides them with the lapp services and protection as you. It could besides save you heaps in the long run.
Read more: Average Car Insurance Rates by Age (2022)
How do I add an additional driver to my car insurance?
If you already have a policy, you can earphone your car indemnity provider and ask them to add an extra driver to your policy. They ‘ll normally be able to add them on straight away. Your premiums will go up, particularly if they ‘re a younger or less feel driver. alternatively, you can compare car indemnity providers for a batch that works best for you. When you ‘re filling out an lotion, you ‘ll have the option of adding an extra driver to your policy. All you need to do is add their details and the insurance company will calculate your premiums .
Compare policies and get car insurance
picture : GettyImages