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Secondary vs. Occasional driver

Posted: Jul 27th, 2007 11:47 am
by urban1
Wheres the line drawn between a secondary and occasional driver?

Heres the situation: Two person household (spouses). One person owns the car and drivers the car to work daily. Second person may take one trip a week to go shopping or some sort of leisure activity.

Is this second person a secondary driver or occaisonal driver?

I tried to do some research on the net. It seems to say a spouse is usually a secondary driver but the insurance company indicated it could be either.

Is there a difference in terms of costs or coverage listing someone as secondary instead of occasional?

(Im not trying to scam or save money. The 2nd driver truely may make 1 trip per week.)

Re: Secondary vs. Occasional driver

Posted: Jul 27th, 2007 1:25 pm
by bobbings
i guess it depends on who drives the car the most.

ie: if you have two cars and both your parents takes it to work everyday. chances of you driving is slim because you have no access to them. i would say you're an occasional driver. but then if you get the car every weekend, then i would say you're secondary. you would need to ask the insurance company for a clearcut definition. it might be different for each company.

Re: Secondary vs. Occasional driver

Posted: Jul 27th, 2007 6:15 pm
by Whitedart
urban1 wrote:
Jul 27th, 2007 3:47 pm
Wheres the line drawn between a secondary and occasional driver?

Is there a difference in terms of costs or coverage listing someone as secondary instead of occasional?

(Im not trying to scam or save money. The 2nd driver truely may make 1 trip per week.)
To an insurance company, this second driver is probably a higher risk than the primary driver. The second driver goes on the road driving once a week, does not keep practiced in heavier traffic, forgets some driving skills over a period of time, etc.