Future Retirement Success
  • Politics
  • Business
  • Investing
  • Stocks
  • Politics
  • Business
  • Investing
  • Stocks

Future Retirement Success

Business

Behind the wheel: How car insurance works for drivers not on your policy

by August 7, 2023
August 7, 2023
Behind the wheel: How car insurance works for drivers not on your policy

When you own a car and have a car insurance policy, you may wonder how coverage works when someone else, such as a friend or family member, drives your vehicle and is not listed on your insurance policy.

Car insurance online is a crucial safety net that provides financial protection in the event of an accident or unexpected mishap on the road.

Understanding the car insurance renewal scenarios for drivers not on your policy

 Immediate family members

So, if your spouse or teenage child occasionally drives your car, they are usually covered under your existing policy. Most car insurance policies extend coverage to immediate family members living in the same household that includes spouses, parents and children, even if they are not explicitly listed on the policy.

Permissive use

Permissive use concept means that if you premit someone to drive your car occasionally, they will likely be covered under your insurance, even if they are not listed as a regular driver. However, it’s crucial to note that there might be some restrictions on permissive use. For instance, the driver must have a valid driver’s license and if they have a history of accidents or violations, coverage won’t be extended in such cases. This coverage is usually secondary to the primary driver’s insurance, meaning that if the permissive driver has their insurance, it would be the primary coverage in case of an accident.

Non-frequent drivers

If someone regularly uses your car, they should be listed on your policy as an occasional or regular driver. Kotak general insurance generally understands that occasional borrowing of a car can happen. Therefore, they often allow coverage for non-frequent drivers, such as friends, extended family or colleagues, who might borrow your car for a one-time event or emergency. The key factor here is the infrequency of use.

Uninsured/Underinsured motorist coverage

This coverage protects you and your passengers if the at-fault driver doesn’t have insurance or has inadequate coverage. In such cases, when a driver not on your policy gets into an accident while driving your car and they are at fault, your uninsured/underinsured motorist coverage may come into play.

Exceptions and restrictions

For instance, if you regularly lend your car to a friend who lives in the same household, we might require them to be listed on your car policy renewal to be fully covered.

Conclusion

Car insurance for drivers not listed on your policy can be a bit complex, but understanding the basics of permissive use and coverage for occasional drivers is essential. Generally, immediate family members and non-frequent drivers with your permission are covered when driving your car. However, it’s always a good idea to visit kotak general insurance, to ensure you have the appropriate coverage in place. Make sure you have the right coverage that suits your needs and provides adequate protection for yourself and anyone you permit to drive your car.

Read more:
Behind the wheel: How car insurance works for drivers not on your policy

0
FacebookTwitterGoogle +Pinterest
previous post
The Bahamas Could Be the Ideal Destination for Business Investors
next post
Extraterritorial Taxation: Is It All Our Fault?

You may also like

UK businesses put the brakes on hiring

November 28, 2022

Bahrain’s Mumtalakat Holding Company Assumes Full Control of...

March 22, 2024

Getting to Know You: Brad Walker, founder of...

August 13, 2024

Monzo Tops Satisfaction Rankings in the UK Banking...

August 15, 2023

How To Become An Appointment Setter?

December 1, 2024

F1 star Sebastian Vettel becomes the lead investor...

March 20, 2023

Pioneering wind-powered cargo ship sets sail

August 21, 2023

Treasury Acknowledges Impending Rise in Inflation

February 12, 2024

Innovate Change Casino Report: From Malta to the...

April 15, 2024

Protecting Content Creators: The Need for Copyright Lawyers...

August 23, 2023

UK businesses put the brakes on hiring

November 28, 2022

Bahrain’s Mumtalakat Holding Company Assumes Full Control of...

March 22, 2024

Getting to Know You: Brad Walker, founder of...

August 13, 2024

Monzo Tops Satisfaction Rankings in the UK Banking...

August 15, 2023

How To Become An Appointment Setter?

December 1, 2024

F1 star Sebastian Vettel becomes the lead investor...

March 20, 2023

Pioneering wind-powered cargo ship sets sail

August 21, 2023

Treasury Acknowledges Impending Rise in Inflation

February 12, 2024

Innovate Change Casino Report: From Malta to the...

April 15, 2024

Protecting Content Creators: The Need for Copyright Lawyers...

August 23, 2023

    Get free access to all of the retirement secrets and income strategies from our experts! or Join The Exclusive Subscription Today And Get the Premium Articles Acess for Free

    By opting in you agree to receive emails from us and our affiliates. Your information is secure and your privacy is protected.

    Recent Posts

    • Kash Patel torches ‘conspiracy theories’ about Bondi feud amid MAGA furor over Epstein files

      July 13, 2025
    • Trump defends embattled AG Pam Bondi, says ‘nobody cares about’ Jeffrey Epstein

      July 12, 2025
    • Bondi says all charges against doctor who allegedly destroyed COVID vaccines have been dropped

      July 12, 2025
    • Meet ‘China’s man in Lima’ who jetted over to US to collect trains donated by Biden admin

      July 12, 2025
    • Inside Dan Bongino’s tense meeting with White House officials over Jeffrey Epstein fallout

      July 12, 2025
    • Could Butler happen again? Former Secret Service agents weigh in on political violence in 2025

      July 12, 2025

    Categories

    • Business (8,456)
    • Investing (2,118)
    • Politics (16,018)
    • Stocks (3,205)
    • About us
    • Privacy Policy
    • Terms & Conditions

    Disclaimer: futureretirementsuccess.com, its managers, its employees, and assigns (collectively “The Company”) do not make any guarantee or warranty about what is advertised above. Information provided by this website is for research purposes only and should not be considered as personalized financial advice. The Company is not affiliated with, nor does it receive compensation from, any specific security. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendation. Any investments recommended here should be taken into consideration only after consulting with your investment advisor and after reviewing the prospectus or financial statements of the company.

    Copyright © 2025 futureretirementsuccess.com | All Rights Reserved