At King Price Insurance, we’re all about keeping things simple and hassle-free. When it comes to your car insurance, there’s 1 little detail we need to get right. That’s knowing who’s behind the wheel most often. So, let’s chat about your regular driver and why we care. What’s a regular driver you ask?
What is a regular driver in car insurance?
In plain terms, a regular driver is simply the person who drives your car the most in a month. It’s that simple! You know, the 1 who’s taking your car for a spin to work every day, or driving the kids to rugby practice on Saturday. They’re the ones putting the most kilometres on the clock. So, what’s a regular driver? It’s the main person driving your vehicle.
Understanding the difference: regular driver vs nominated driver
Now, you might also hear about the nominated driver. This is the person who has your permission to take your car for a ride when needed. However, they’re not the 1 driving it day in, day out. Think of it like the once-in-a-while driver. Maybe your cousin who only drives your car when they need to borrow it to fetch their takeaway (we’ve all been there, right?). To be clear, the nominated driver is not what’s a regular driver.
Why the regular driver affects your car insurance premium
Here’s the thing: Insurance premiums are all about risk. And let’s face it, some drivers are a bit more adventurous on the road than others. For example, if you’re a young guy – especially under 25 – your chances of getting into a fender bender are statistically higher than someone who’s been driving for a few decades. Sorry, gents, but it’s the truth! So, if you’re the 1 driving your mom’s car most of the time, she might end up paying a premium for someone else’s risky behaviour. This explains why knowing what’s a regular driver is crucial.
How incorrect driver info can impact your cover
In short: The regular driver is who we base the premium on. What’s a regular driver for your policy? If Mom’s driving the car 90% of the time, the insurance will be based on her. It won’t be based on her son who might take the car for a joyride now and then. If she lets her son drive it more often, though, the premium will adjust to reflect the higher risk. More importantly, the insurance policy might not cover her if he crashes it. Awkward, right?
Make sure your car insurance details are accurate
So, when you’re setting up your car insurance with us, make sure you’re upfront about who’s driving the car the most. If it’s you, no problem. If it’s your teenager (we won’t judge), that’s fine too. You’ve got to let us know, or you might find yourself in a situation where your claim gets rejected because the details don’t match up. Knowing what’s a regular driver can avoid such issues.
Avoid claim rejections by keeping us in the loop
So, don’t get caught out with a surprise bill or an insurance claim rejection. Give us the heads-up about who’s driving your car, and we’ll take care of the rest. If you’re unsure or want to add a driver to your policy, don’t hesitate to give us a shout. We’re here to make sure you’re always covered, no matter who’s behind the wheel. What’s a regular driver? Remember, it’s the person behind the wheel most often.
Incorrect driver details = incorrect car insurance cover
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