Does the main driver have to be the policy holder? The main driver (or vehicle policyholder) is the person who drives the vehicle most often and earns no claims discount. They do not need to be the principal policyholder but they must live at the same address as them.
Does The Main Driver Have To Be The Policy Holder?
Generally, insurance policies are set up with the policyholder also being the main driver of the car. It’s worth noting that it’s illegal for anyone other than the main driver to be placed as the policyholder, this is ‘fronting’.It’s always advisable to contact the insurance provider you’re interested in before taking out cover. This way you can make them aware of the situation, and ensure you’re suitably protected.
1. insurance policies are set up with the policyholder
If you are the policyholder and someone else is going to drive the car they need to be named on the policy as a named driver. A named driver is someone who is insured to drive a vehicle where another person does most of the driving. When driving that vehicle, the named driver will have the same level of cover as the main driver. A named driver is someone that can be added to the policy to allow them to enjoy the full coverage provided by the policy. If you don’t add someone as a named driver and you allow them to drive the car they won’t be covered if there is an accident. Also if they hurt someone else or damage their property the insurer is legally entitled to recover from you anything they pay out to the third party.
2. breaking the law by driving without insurance
If someone is driving the car you need to add them to the insurance, otherwise, they are breaking the law by driving without insurance. The main driver of a car must ensure the vehicle is in their name. Does the policy holder have to be the main driver or Does the main driver have to be the policy holder? Any other drivers, who drive the car less frequently, should be on the policy as named drivers.If you insure the car in the name of someone who is not the main driver this is a form of insurance fraud known as fronting. On this basis, it’s best to have a policy under the name of the main driver so that in any mishaps the claim can be approved.
3. note that the person who is listed as the main driver
However, it is important to note that the person who is listed as the main driver on the insurance policy is the one who is primarily responsible for operating the vehicle. This person will also be the one who is most likely to be involved in an accident, so it is important to accurately identify the main driver on the insurance policy.
4. risk level associated with insuring the vehicle.
The insurance company will use the information about the main driver to determine the risk level associated with insuring the vehicle. Factors such as the driver’s age, driving history, and location will all play a role in determining the cost of insurance. If the main driver is a high-risk individual, the insurance company may charge a higher premium to cover the increased risk.
5. policyholders may choose to list themselves
In some cases, policyholders may choose to list themselves as the main driver of a vehicle, even if they are not the primary user of the vehicle. This may be done to obtain a lower premium, as the policyholder may have a better driving record than the person who primarily uses the vehicle. However, it is important to keep in mind that misrepresenting the main driver on an insurance policy is considered insurance fraud and can result in penalties, fines, or even criminal charges.
In conclusion, the main driver of a vehicle does not have to be the policyholder, but the person listed as the main driver will be the one primarily responsible for operating the vehicle and will play a role in determining the cost of insurance. It is important to accurately identify the main driver on the insurance policy to avoid potential legal and financial consequences.