This blog and website are made available by the publisher for educational and informational purposes only. But once that learner graduates to a full licence, their risk would increase insurance rates for a parent who lets them drive the family vehicle. Enter your group and select your province Your group. There’s a way around paying for occasional drivers — fill out Ontario’s excluded driver endorsement form and exclude your son from your policy. This allows some to escape the impact and hide their true risk, she said. Nevertheless, they pose risks to your car all the same. Similar to example 4.

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Most of the time, this driver cannot ichc the vehicle more than 25 percent of the time. Every person who drives a car — any car — should have auto insurance coverage. Nevertheless, they pose risks to your car all the same.

ICBC plan for incidental drivers draws confusion and flood of questions

Avoid the cars that thieves love. Similar to example 4. Comments We encourage all readers to share their views on our articles and blog posts. The son sometimes drives the car.

Auto Insurance Coverage for Occasional Drivers

The changes come into effect in September But, they lend their car to their neighbour Mike, who has a worse driving record than they do, with a previous crash. Never deceive them about who is operating the car. Generally, this is the vehicle’s owner. Most auto insurance companies label occasional nisurance based on how often they operate the car. Powered by Insurance Website Builder. The subject who is truly loyal to the Chief Magistrate will neither advise nor submit to arbitrary measures.

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Finally, the best way to save is to maintain a clean driving record, with no convictions or at-fault accidents, and to pay your insurance bill on time. But critics say the driver protection plan is one example of several rate hikes masquerading as hidden fees that most drivers will feel pressured to pay out of caution or confusion.

We are using Facebook commenting. The highest-risk driver on the list say a teenager will be used by ICBC to calculate the remaining 25 per cent of the rate.

Anyone who might drive that vehicle more than a dozen times in a year must be explicitly listed on the insurance and their driving record will be considered in calculating premiums. Keep your drivers updated to ensure you have ample protection.

Lend your car out from time to time? There’s now an ICBC fee for that

We hope to have this fixed soon. If Bill chooses not to list Sue, balking at the extra cost, he would run the risk of a penalty that is very stiff at 15 times the upfront premium. If there was an accident, he could be sued. Be sure you are clear on any occasional drivers. All vehicle owners will soon be required by ICBC to list everyone who may drive their vehicle after Septemberincluding spouses, children and other relatives any friends or neighbours who will drive it more than 12 times a year.

He will have to sign too, agreeing that he won’t be covered for your vehicle. Your province is Ontario. In this scenario, Erica is the principal driver and owner of a car.

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So, the insurance company assumes that the other drivers in the house will drive your car at some point — even if they have their own vehicles — and so they charge you extra, Karageorgos says. Non-subscribers can read and sort comments but will not be able to engage with them in any way. The opposition BC Liberals wasted no time in targeting the new fee, calling it a symbol of how the NDP government is downloading costs onto consumers.

The corporation says the new structure — and the new fee — will make the system more fair. Read most recent letters to the editor. The surcharge is one of several new levies that motorists will face next year when insuring their vehicle with ICBC, occzsional has a monopoly on basic auto insurance. If the driver is a low-risk operator with few if any tickets, the additional driver is not likely to occaskonal costs much.

My auto insurance provider charges me for occasional drivers — my wife and my mids son who lives with us — despite the fact that they both have their own cars and insurance under different providers than mine.