What exactly is meant by the main driver of a car?
The main driver of a car is the person who drives the car the most. Often the main driver of the car takes out the car insurance. Moreover, the car is usually registered in the name of the main driver. Another term for main driver is regular driver.
Difference between main driver and regular driver
The terms principal driver and regular driver are often used interchangeably. It makes sense, because in fact the two terms boil down to the same thing: the person who drives the car the most. The main driver is usually also the person who buys the car insurance and in whose name the license plate is registered. However, this is not always the case. Therefore, when taking out car insurance, you should always specify who the main driver is.
What if it is not the main driver who causes an accident?
If the main driver is not the one who causes the accident, this is not an immediate problem. After all, you can always (lend) a car. Everyone who owns a car is obliged to insure it. If you drive someone else's car, you are insured through his or her car insurance. If you are using a borrowed car for a longer period of time, you must report this to your insurer. The insurer will then see if the risk and thus the insurance premium remains the same, or if the driver poses more risk and thus the premium has to go up. If the damage is caused by a young driver, under the age of 24, the insurer may charge a higher deductible. Therefore, always look carefully in the terms and conditions of the car insurance if there are conditions for damage caused by someone other than the main driver.
Consequenceand if you sign up as a lead driver but are not
The main driver is often the owner of the car, but this is not necessarily so. In fact, you can also take out car insurance and indicate that someone else is the regular driver of the car, such as for your partner or child. However, it is also common for someone to take out car insurance but not pass on that their child is the main driver. This is done to avoid a higher insurance premium. If you do this, you are committing insurance fraud. This can have unpleasant consequences. The moment your insurer catches you committing insurance fraud, you will get a CIS registration. In addition, the insurer may terminate your car insurance immediately. You will also have trouble getting a new car insurance policy, because few regular insurance companies will still accept you. You can then only go to insurance company De Vereende for a much higher premium. You will end up being more expensive than if you had been honest about who is the main driver of the car.
Get instant car insurance through Alpina!
Need to buy car insurance right away? Then you can easily do so online. The process is very quick and easy. You need the license plate of the car and the report code. The report code is a unique four-digit code and can be found on the registration certificate. With us you can insure your car within 5 minutes. You choose your own coverage and never pay too much. Moreover, you always have 14 days reflection time after taking out your car insurance. That means you can cancel within 14 days without giving any reason. Don't forget to let us know who the main driver of the car is!
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