Automotive

Insurance: Occasional driver as full-time driver?

  • Last Updated:
  • Aug 26th, 2005 7:55 pm
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Deal Guru
Aug 26, 2001
14695 posts
267 upvotes
North York

Insurance: Occasional driver as full-time driver?

What are the implications of someone registered as the "occasional driver" of a car, actually (in reality) being more or less the "primary driver".

Would the "truth" only come out in a situation which results in the insurance company finding out, i.e. accident. Or do they routinely investigate for these things?

And the penalty? Has anyone done this for a while until they were able to get cheap insurance under their own name and then switching it?
8 replies
Deal Guru
Aug 2, 2001
12805 posts
3678 upvotes
In Alberta, if an insurance company were to discover (Usually only when an accident occurs) they will cease coverage (And typically not cover your vehicle) and flag your file so that when you apply for insurance elsewhere people will know what went on.
Sr. Member
Aug 4, 2005
788 posts
8 upvotes
Stouffville
As long as both drivers are listed on the policy, there is no way you will ever get in trouble for doing what you are describing. There is no way to check and no way to prove one way or another who drives more often.

However, if there is more than one driver assigned to the vehicle, most companies will use the higher rated driver for pricing, regardless of which one (you say) drives more often. And if there are two vehicles and two drivers then each one must be primary on one of the vehicles.
Deal Fanatic
User avatar
May 1, 2003
6375 posts
143 upvotes
ratface wrote:As long as both drivers are listed on the policy, there is no way you will ever get in trouble for doing what you are describing. There is no way to check and no way to prove one way or another who drives more often.

However, if there is more than one driver assigned to the vehicle, most companies will use the higher rated driver for pricing, regardless of which one (you say) drives more often. And if there are two vehicles and two drivers then each one must be primary on one of the vehicles.
Sure they can find easily. As an occasional driver if you drive to work/school and have a parking pass somewhere, the insurance company can find out easily and have your coverage pulled.
Sr. Member
Aug 4, 2005
788 posts
8 upvotes
Stouffville
bionicbadger wrote:Sure they can find easily. As an occasional driver if you drive to work/school and have a parking pass somewhere, the insurance company can find out easily and have your coverage pulled.
Yeah and they could call in the CSI squad too and find out who left more DNA samples on the steering wheel. :rolleyes:
Member
Jun 6, 2005
447 posts
4 upvotes
It's not worth it. The insurance company can definitely find out if they get suspicious - they will deny coverage for the claim, cancel your policy and you'll have a very difficult time finding coverage and one's that will cover you will be unaffordable.
[OP]
Deal Guru
Aug 26, 2001
14695 posts
267 upvotes
North York
How about those kids with G2's who drive cars to high school, first year Uni.
If I'm not mistaken, they'd get killed on insurance if they admitted being Primary Driver themselves... so I'm guessing many of them are in reality the occasional driver. Really, I want to know how many of you guys did it.

I'm surprised in a deals forum nobody took this sort of risk to save a couple of thousand a year, lol.
Deal Addict
Jul 21, 2001
3498 posts
123 upvotes
Cochrane
This is no deal, it's insurance fraud by misrepresentation you're talking about.
Deal Guru
Aug 2, 2001
12805 posts
3678 upvotes
ratface wrote:Yeah and they could call in the CSI squad too and find out who left more DNA samples on the steering wheel. :rolleyes:
When dealing with large claims, which are becoming more and more common, insurance companies will try to make sure that it is a valid claim.

They have teams of investigators for these scenarios, and if they feel it's worth their while they'll pursue you.
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