Register a second driver in the car insurance contract

Generally an insurance contract mentions the name of a driver, but it is quite possible to designate other people. The main driver designates the owner of the car, he also represents the person who takes out the insurance contract.

A second person can use the same vehicle occasionally, it must imperatively be registered with the company setting up the insurance.

Second driver's seat

The status between the two people is different. The person who drives the vehicle occasionally does not hold the contract. The contributions are therefore paid only by the person responsible for the car.

The possible declaration of the main driver does not generate any responsibility of the second person. Declaring it greatly facilitates the administrative procedures. Otherwise, the driver is obliged to report to his insurance all the occasions on which the second driver has taken the wheel.

You should also know that the two statuses are totally different, the driver mentioned as secondary does not have the possibility of behaving like the owner of the contract. In this case, the insurer may be able to terminate the contract by mentioning a false declaration.

Read Also: The assistance guarantee and the car contract

The impact of the second driver on the bonus-malus coefficient

The bonus-malus is attached only to the vehicle, an accident whether it is carried out by the main or secondary driver generates a modification of the coefficient by the insurer.

When an accident occurs and generates the responsibility of the second person driving the vehicle occasionally, the bonus-malus is not modified if the driving was carried out without the knowledge of the drivers mentioned in the contract.

This policy does not apply if this person lives with the owner or one of the occasional drivers.

The occasional young driver

If he is mentioned as a second driver, the insurer has the right to increase the premium rate. This approach is carried out because of his lack of experience. This method allows him to acquire a record of information.

The bonus-malus system in auto insurance

When you want to take out car insurance, it is important to know the bonus-malus system; indeed it is he who, in part, will establish the amount of your contribution with of course the other parameters which are the choice of the type of contract and your driving history.

Malus, in car insurance

When we talk about the automobile, we are all concerned by all areas relating to our vehicle. Among these aspects, it is clear that insurance plays an important role, but separately. Not only is insurance essential to be able to reassure us in the event of a claim, but it also protects us against all bad

The different situations leading to an increase in the insurance premium

The insurer uses several criteria to establish the amount of the contributions. Some remain free, but others are subject to certain regulations. An offense The increases in connection with an offense are issued within L. A 335-9- of the insurance code.

They apply to the level of annual contributions. When the driver was under the influence

Auto insurance in the event of the sale of a vehicle

In the event of the sale of a vehicle, car insurance can be suspended or transferred to another car, in the event of the purchase of a new car. In fact, it depends on the choice of the subscriber of the contract. Indeed, he can sell his vehicle without buying another, or he can sell his vehicle and

How to find an insurer?

In order for a young driver to be able to insure himself, he is advised to request quotes from several insurers, by going to an agency or by carrying out simulations on specialized sites.

Car insurance rates can vary from one company to another, and it is therefore recommended that the young driver carefully

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Offers subject to conditions The marketing of clean vehicles (biofuel, electric, hybrid, LPG) has increased in recent months. Insurers use this market to offer

The collector's car, it ensures!

A collector's car is not an "ordinary" car, it does not have the same purposes for its owner, namely that it must above all please him visually and delight him when he drives it. She does not expect the same insurance contracts

ance than everyday cars, so insurers have thought of them in

The amicable report, all the information to complete it

The amicable contract intervenes when two drivers have an accident, it is also essential for insurance. This document must therefore not be neglected. It must be completed with rigor.

Both parties must therefore take the time to fully clarify the situation. To complete the report, drivers will need the (*)