Car insurers offer you a variety of discounts or penalties depending on who is behind the wheel of your vehicle. So before you ask your friends, family, or co-workers to make the trip for you, consider the worst case scenario and what you would do if the hefty bills fell on your lap.
Most car insurers only cover you for drivers specified in your policy, which means that you’ll need to draw up a list of your common drivers before applying. Similarly, if there are vehicles that you’ll be driving often, including them on your policy can cover you in the event of an accident.
These precautions will save you from paying thousands in excesses when you or your drivers make mistakes. But all car insurers have different standards when it comes to what you’re covered for, so make sure you take the time to compare different policies to save money and stress.
Who do car insurers like?
Car insurers are normally cautious of drivers under 21 years of age, so adding these drivers on to your policy will attract higher excesses. From here, the excesses decrease steadily, from 21-24 year olds, to 25 year old drivers with less than two years of driving experience.
You will find that experience goes a long way, especially when you add on extra skills such as safe driving techniques. Taking extra courses can often be a long term investment into reducing your yearly costs, and you might also pat yourself on the back one day if they help you avoid an accident.
Make sure you come clean with the driving records of your nominated drivers too, because car insurers will look for blemishes which may deem you a riskier and therefore more expensive driver to insure.
Compare car insurers
At the end of the day, every insurer has their own guidelines and preferences, so it takes a bit of savvy research to find policies that suit you and your entourage of drivers.
For more information about comprehensive car insurance brands visit our car insurance guide.