Primary driver on 2 vehicles with my sons as secondary drivers

by Jane
(ottawa, ontario, canada)

Hi,


I just purchased another 'old' newer vehicle and kept my 2001 vehicle as it's still a great car for driving around with the dogs and camping, etc. etc.

I will be the primary driver on both vehicles, but my 2 boys will be secondary drivers on the 2001 vehicle. One son doesn't even live at home, but when he visits it's nice to have an extra vehicle so he can get around town.

So, can I still be listed as the 'Primary' driver on both vehicles and have them as secondary drivers on the older vehicle (not the new vehicle)? This will help reduce the cost of insurance premiums.

Thanks!

Primary Driver on Two Vehicles?


Hi Jane

This is a tough one. Most insurers will want your son that lives with you to be listed as a primary on one of the vehicles (now that you have two).

One way that you might get around this is if the second car is "taken off the road" most of the time. In other words, if you reduce coverage to comprehensive only (no liability). Speak to your insurer about this if they won't have your sons as secondary drivers only.

If you don't like the answer you get, you can shop around and see if anyone else will let you adjust the coverage. Try here (maybe it will save you some money):
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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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