Can you be main driver on two cars?

Asked by: Dr. Merle Smitham III  |  Last update: July 27, 2022
Score: 4.7/5 (8 votes)

Insuring Multiple Cars
Any or all can be designated as secondary drivers. If a household has more cars than drivers, it is possible for one person to be the primary driver for more than one car.

Can you be the main driver on 2 different cars?

A named driver is insured to drive the car, but they don't use it as often as the main driver. The main and named driver have the same level of cover on the car. But a named driver could be the main driver on another vehicle. You can be the main driver of more than one car.

Does it matter who is the primary on car insurance?

Answer provided by. “The short answer is yes, it does matter, especially if your daughter is a younger driver. People under 25 face some of the highest rates for car insurance because they're statistically more likely to get into accidents and file claims.

Can I be the main driver on my partners car?

But the main driver doesn't necessarily have to be the owner or the registered keeper. This is pretty common for married couples. If you're married, one of you can own the car and be the registered keeper. But if your spouse drives the car more often than you do, they'll need to be listed as the "main driver".

Can you be the primary driver on 2 cars in Ontario?

So, can you be the primary driver of more than one vehicle in Ontario? In short, yes, you can. Insuring multiple cars with one provider is often referred to as multi-car or multi-vehicle coverage in Ontario.

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20 related questions found

Can I be the primary driver on a car I don't own?

Primary drivers

In simple terms, the primary driver is the person who drives the insured vehicle more than anyone else. The primary driver does not have to be the owner of the vehicle.

Can you have 2 cars on one insurance policy?

Multi-car insurance covers more than one vehicle under the same policy. It offers the same features as a single-car policy, but gives you a discount for the second vehicle. This makes it one of the cheaper ways to insure more than one car.

Can you drive other cars if your fully comp?

Having fully comp insurance on your own vehicle doesn't mean that you're fully comp on someone else's. If your insurance provider does allow you to drive a different vehicle, it's likely that they will only provide third party cover as a maximum.

Can I be a named driver on another car?

Can I drive someone else's car as a named driver? That's pretty much how it works. Once you are added onto someone else's insurance as a named driver, you can legally get behind the wheel of their car. However, that doesn't mean you can start driving any vehicle you choose.

Is fronting illegal?

Fronting is illegal, carrying serious consequences that can include a criminal record. Find out what this form of insurance fraud is, how you might accidentally do it, and why it should be avoided.

Can I change main driver on car insurance?

Letting someone borrow your car

With most car insurance policies, you can let other people drive your car by adding them as a named driver. But if they start using it more than you, that could be a problem. The person who does the bulk of the driving needs to be listed as the "main driver".

Who is main driver on car insurance?

The main driver (or vehicle policyholder) is the person who drives the vehicle most often and earns no claims discount.

How does 2nd driver insurance work?

Named driver insurance (sometimes called additional driver insurance) is cover for extra drivers added to your car insurance policy. It means the people you add can legally drive your car – you don't have to be in it either. Named drivers usually have the same level of cover as the policyholder.

Can I be a named driver on 2 policies?

Can I drive any car on a multi-car policy? You can only drive the cars on the policy that has you listed as a named driver.

What happens if you are caught fronting?

Fronting is car insurance fraud, and it's against the law. The consequences are severe – voided or cancelled policies, substantial fines, up to six points on your driving licence and a potential driving ban. The main driver should be the person who spends the most time in the car.

How do you get caught fronting?

Fronting will most likely be discovered when a claim is made. If it is the named driver who is involved in a collision, for example, an insurance provider may launch an investigation. Should the insurer conclude that fronting has occurred, it may refuse to pay for any damage.

Is being a named driver illegal?

Named drivers and insurance fraud

Fronting is illegal, and could lead to criminal convictions for those involved. People found guilty of fronting, or any other type of insurance fraud, will also find it more difficult to buy insurance in the future and their premiums will be more expensive.

What does named driver on another car mean?

A named driver is someone who is insured to drive a vehicle in which 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. They may also be referred to as an additional driver.

Does a named driver have to live with you?

Does a named driver have to live at the same address as the main driver? No, someone does not have to live at the same address as you to be added as a named driver to your policy.

Can I drive someone else's car 1st Central?

You must obtain prior permission from the owner of the car. You are still in possession of your own car, it is still insured and it has neither been damaged beyond economical repair nor stolen.

Can you drive an uninsured car on your own insurance?

No, the vehicle you are driving must have a minimum of third party cover on. If it does not, you will not be insured.

Can I insure 2 cars in my name?

A multi-car insurance policy lets you cover a number of cars registered at the same address, but each car is treated as if it has its own policy. This means each car can benefit from having a different registered driver with each person earning their own NCD.

Can I use my no claims on 2 cars?

Unfortunately, you can only use one set of no claim discount on one vehicle at any time. To earn multiple sets of no claim discount you need to insure multiple vehicles at the same time.

Can I split my no claims between 2 cars?

But, you can request proof at any time and the insurer will supply it. Can I split my accumulated NCB across two cars? No. You can only use your exisiting NCB in one policy for one car, but you can build up a separate NCB in another car insurance policy for a second car.

Will additional driver lose no claims if main driver has accident?

Your level of no claims discount won't be affected, even if you add a named driver with absolutely no car insurance history. But, if a named driver has an accident whilst driving your car, it will affect your no claims discount in exactly the same way as if you, yourself, had been behind the wheel.