Primary driver meaning
The primary driver of a car insurance policy is the person who drives the vehicle most frequently or owns the car. This person is responsible for the vehicle and is the one who will be listed as the policyholder. The primary driver is also the one who is legally responsible for any accidents or incidents that may occur while driving the car.
It is important to accurately designate the primary driver on an insurance policy as this will affect the premium and coverage of the policy. If the primary driver is a high-risk driver, such as someone with a history of accidents or traffic violations, the premium may be higher. On the other hand, if the primary driver is a safe driver with a good driving record, the premium may be lower.
Occasional driver meaning
n Ontario, an occasional driver is someone who is not the primary driver of a vehicle but drives it occasionally. An occasional driver is typically a secondary driver on the car insurance policy and is not listed as the owner of the vehicle.
Examples of occasional drivers include a spouse or partner who only drives the vehicle occasionally, a child who is away at school and only uses the car when visiting home, or a friend or relative who borrows the car on occasion.
What is the difference between primary and secondary driver?
The difference between primary and secondary drivers is important for car insurance purposes because it affects the policy’s coverage and premium. The primary driver typically pays a higher premium because they are considered a higher risk than a secondary driver who drives the car less frequently.
Can someone else be the primary driver of my car?
Yes, someone else can be the primary driver of your car in Ontario as long as they are listed as the primary driver on the car insurance policy. However, it’s important to note that the primary driver is legally responsible for the vehicle and any accidents or incidents that may occur while driving it.
If you lend your car to someone else and they are involved in an accident, your insurance may still cover the damages depending on your policy, but it may also lead to an increase in your insurance premium. It’s important to notify your insurance company if you plan to have someone else be the primary driver of your vehicle, as failing to do so can result in your insurance company denying coverage in the event of an accident.
Additionally, if someone else is the primary driver of your vehicle and they have a poor driving record, this may increase your insurance premium. It’s always best to be honest and upfront with your insurance company about who the primary driver of your vehicle is to ensure you have the right coverage and to avoid any potential issues down the road.
Secondary driver insurance rules in Ontario
In Ontario, secondary drivers on a car insurance policy are also referred to as occasional drivers. The rules for occasional driver insurance in Ontario are as follows:
- Occasional drivers must be listed on the insurance policy: If someone other than the primary driver will be using the vehicle, they must be listed on the insurance policy as an occasional driver.
- The occasional driver must have a valid driver’s license: To be listed as an occasional driver on an insurance policy, the driver must have a valid driver’s license.
- The primary driver is still responsible for the vehicle: Even if someone else is listed as an occasional driver on the insurance policy, the primary driver is still legally responsible for the vehicle and any accidents or incidents that may occur while driving it.
- The premium may be affected by the occasional driver: The premium for the insurance policy may be affected by the occasional driver’s age, driving record, and other factors.
- The occasional driver must have permission to use the vehicle: Before using the vehicle, the occasional driver must have permission from the primary driver or owner of the vehicle.
Occasional driver insurance cost in Ontario
Here are the estimated annual premiums for a 30-year-old occasional driver with a clean driving record and a 2018 Toyota Corolla LE:
- Toronto: $1,400 – $1,800
- Ottawa: $1,000 – $1,200
- Hamilton: $1,200 – $1,500
- London: $1,000 – $1,300
- Kitchener-Waterloo: $1,000 – $1,300
- Windsor: $900 – $1,200
- Kingston: $900 – $1,100
- Thunder Bay: $1,100 – $1,400
- Sudbury: $1,100 – $1,400
- Guelph: $1,000 – $1,300
Keep in mind that these are only estimated costs and that the actual insurance premium can vary significantly depending on many factors specific to the driver and the vehicle.
When do I need to add occasional drivers to my policy?
In Ontario, all drivers who operate a vehicle on public roads are required to have valid insurance coverage. If someone else will be driving your vehicle, even occasionally, it’s important to add them to your insurance policy to ensure that they are covered in the event of an accident.
You should add occasional drivers to your policy when:
- They will be driving your vehicle on a regular basis, even if it’s just a few times a year.
- They will be driving your vehicle for an extended period of time, such as when you’re on vacation or out of town for a few weeks.
- They are living with you and have regular access to your vehicle, even if they have their own vehicle and insurance.
By adding occasional drivers to your policy, you can ensure that they are covered in the event of an accident and that you are complying with Ontario’s insurance requirements.
Do all drivers in a household have to be insured in Ontario
In Ontario, all drivers who operate a vehicle on public roads are required to have valid insurance coverage. This means that if someone in your household drives a vehicle, they must be insured. If they are not listed on your insurance policy as a driver, they must have their own separate insurance policy.
However, not all drivers in your household necessarily need to be listed on your insurance policy. Generally, only drivers who will be operating your vehicle on a regular basis or who have regular access to your vehicle should be listed on your insurance policy. If someone in your household only drives your vehicle occasionally and you are comfortable with the level of risk involved, you may not need to add them to your policy.
Primary Driver Vs Occasional Driver FAQs
Here are some frequently asked questions about primary drivers and occasional drivers:
- What is a primary driver? A primary driver is the person who uses a vehicle the most often or for their daily commute. They are typically the owner or lessee of the vehicle and are listed as such on the registration and insurance documents.
- What is an occasional driver? An occasional driver is someone who drives the vehicle infrequently, such as a family member or friend who borrows the vehicle for a short period of time. They may or may not be listed on the insurance policy, depending on the frequency and duration of their use of the vehicle.
- Why do I need to list occasional drivers on my insurance policy? You should list occasional drivers on your insurance policy to ensure that they are covered in the event of an accident. If an unlisted occasional driver causes an accident, your insurance company may deny coverage for the claim or require you to pay a higher deductible or higher premiums in the future.
- How does adding an occasional driver affect my insurance premiums? Adding an occasional driver to your insurance policy may increase your premiums, but this will depend on the driver’s age, driving experience, driving record, and other factors. Insuring an occasional driver is generally less expensive than insuring a primary driver, but this can vary depending on the specific circumstances.
- What happens if an occasional driver causes an accident while driving my vehicle? If an occasional driver causes an accident while driving your vehicle, your insurance policy typically provides liability coverage. However, if the occasional driver is not listed on the policy and causes a serious accident, the insurance company may deny coverage or require you to pay a higher deductible or higher premiums in the future.
- Do I have to list all drivers in my household on my insurance policy? Not necessarily. Generally, only drivers who will be operating your vehicle on a regular basis or who have regular access to your vehicle should be listed on your insurance policy. However, all drivers who operate a vehicle on public roads in Ontario are required to have valid insurance coverage, so any drivers who are not listed on your policy should have their own separate insurance policy.
- Can I list more than one primary driver on my insurance policy? Yes, you can list more than one primary driver on your insurance policy. However, this may increase your insurance premiums, as insurance companies consider the driving records and other factors of all listed drivers when calculating premiums.
- Can I change the primary driver on my insurance policy? Yes, you can change the primary driver on your insurance policy if your circumstances change, such as if you sell the vehicle or if someone else in your household begins using the vehicle more frequently. However, you should contact your insurance provider to discuss the details of the change and any potential impacts on your insurance premiums.
- What is the difference between liability and comprehensive coverage? Liability coverage is required by law in Ontario and covers the costs of damages or injuries you may cause to other people or their property while driving. Comprehensive coverage is optional and covers damage to your own vehicle caused by events such as theft, vandalism, or weather-related incidents.
- How can I find the best insurance coverage for my needs? To find the best insurance coverage for your needs, you should shop around and compare quotes from multiple insurance providers. Be sure to consider the coverage options, deductibles, and premiums offered by each provider, as well as their reputation for customer service and claims handling. You can also consult with an insurance broker or agent for personalized advice and recommendations.
- Are occasional drivers covered by my insurance if they use my vehicle for work purposes? It depends on the type of work they are doing. If an occasional driver uses your vehicle for work purposes, such as making deliveries or transporting clients, they may not be covered by your personal insurance policy. In this case, you may need to purchase additional commercial insurance coverage to ensure that they are fully covered.
- Can I add an occasional driver to my insurance policy temporarily? Yes, you can add an occasional driver to your insurance policy temporarily, such as if they will be using your vehicle for a short period of time. However, you should contact your insurance provider to discuss the details of the change and any potential impacts on your insurance premiums.
- Do I need to notify my insurance provider if my occasional driver gets a ticket or is involved in an accident? Yes, you should notify your insurance provider if your occasional driver gets a ticket or is involved in an accident while driving your vehicle. This will help to ensure that your insurance coverage is up-to-date and that any claims are handled appropriately.
- What is a named driver exclusion? A named driver exclusion is a clause in your insurance policy that excludes a specific driver from coverage, usually due to their poor driving record. This means that if the excluded driver causes an accident while driving your vehicle, your insurance policy will not provide coverage for the claim.
- How often should I review my insurance policy to ensure that it meets my needs? You should review your insurance policy at least once a year, or whenever your circumstances change significantly, such as if you buy a new vehicle or move to a new address. This will help to ensure that your coverage is up-to-date and that you are paying a fair price for your insurance.
- What is the difference between primary use and pleasure use? Primary use refers to the main purpose for which a vehicle is used, such as commuting to work or running a business. Pleasure use refers to the use of a vehicle for recreational purposes, such as weekend trips or vacations. Insurance premiums can be affected by the primary use or pleasure use designation, as well as the distance driven and other factors.
- Can I have more than one insurance policy for the same vehicle? No, you cannot have more than one insurance policy for the same vehicle. This is known as double-insuring and is not permitted by law in Ontario. If you have multiple insurance policies, such as through different insurance providers or for different vehicles, you should notify each insurer to ensure that you are not double-insured.
- What is a high-risk driver? A high-risk driver is someone who has a history of accidents, traffic violations, or other risky driving behavior. Insurance companies consider high-risk drivers to be more likely to file claims, and therefore charge them higher insurance premiums. High-risk drivers may also be required to purchase specialized insurance coverage, such as high-risk auto insurance.
- How can I lower my insurance premiums? There are several ways to lower your insurance premiums, such as by increasing your deductible, reducing your coverage limits, or taking advantage of discounts for safe driving, bundling policies, or having certain safety features installed in your vehicle. You can also compare quotes from multiple insurance providers to find the best rate for your coverage needs.
- What should I do if I am involved in an accident with an occasional driver? If you are involved in an accident with an occasional driver, you should follow the same procedures as you would for any other accident, such as exchanging insurance and contact information, taking photos of the damage, and reporting the accident to the police and your insurance provider. Your insurance company will handle the claims process and determine who is responsible for the damages.