If you are both going to be driving the car, you should add the co-leaser on the drivers insurance as an additional driver. If it's just going to be the first leaser, then I would say only the driver has to carry the insurance.
If they are not on your policy then they are not covered.
It really depends on what your insurance policy is.
A deferred operator on an auto insurance policy is a driver who has his or her own insurance policy. If these people drive your car as well, they would be deferred operators.
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
Yes. Read your policy. If you allow a driver who is not licensed to drive your policy and an accident occurs the insurance company may deny coverage for the claim. You should not loan your car to other people because you are also loaning them your insurance and you may not have the authority to do this. If the person is a regular driver or lives in your household then they must be listed on your policy as a driver.
yes, simple as that.
You can get information related to young driver insurance at compare market insurance.
Most auto insurance covers anyone you allow to drive your car, except people living in your house.
the accident is cover by insurance if the driver did not have insurance but the owner dose then it should cover for uninsured motorist if the driver was not a excluded driver of the vehicle a excluded driver is like a relative that lives the the policy holder but is not on the policy as a driver
It is if you are listed on the policy as a driver.
Sure, The policy owner can add any driver to their auto insurance policy, In fact, If you are a regular driver the owner is required to disclose such and list you as a scheduled driver, otherwise the insurance company could deny coverage in the event of an accident involving an unscheduled driver. It does not matter if your related or not.
Several companies offer car insurance for learner drivers including the AA, Aviva and City Insurance. If the learner driver is going to be learning in a car owned by a qualified driver with their own insurance policy it may be possible to add the learner driver to that policy for a nominal fee.
yes ,you can add driver's name in your insurance policy.
Your name must be on the insurance policy, otherwise you are not a covered driver under that insurance policy. Failure to disclose a known driver can void any coverages afforded by the policy and is a well known form of insurance fraud.
One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.
As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident, your policy would be the primary and her policy would be secondary.
It may and it may not. It depends on the definitions of an "insured" driver under the terms of your insurance policy and the type of insurance policy you bought. Most standard policies will extend coverage to certain drivers you have given permissive use while others such as low cost "Named Driver" policies extend coverage to no one other than those named on the policy. Contact your insurance agent if you need assistance with your policy language.
If you add the child as a driver on the policy.
If the insurance policy is active and valid and the driver is a covered driver then you file your claim just as in any other accident.
The principal driver is the person who drives the vehicle over 50% of the time. This is the main driver of the vehicle and the person who will be rated as the driver for computing the cost of the insurance.
No, you can not get insurance unless you have at least one licensed driver on a policy.
It sounds like this person will be a regular driver and as such they should be listed on your insurance as a driver. In your policy you agree to list all household residents and regular drivers. They should be listed on your policy.
Generally yes, but you have to check your policy for specific limitations. Watch out though. In California at least, if a driver is not specifically listed on the insurance policy, the coverage drops to state minimums (15/30/5 in CA).
The question is a little confusing. If the spouse or person is listed on the insurance policy as a driver of the vehicle then they are indeed insured and shouldnot besubject to being penalized for that specific issue.