Secondary driver insurance coverage | HUB Insurance Hunter Blog
Secondary drivers are very common and included on many car insurance policies. They can be anyone from your spouse to your kids and even a roommate or friend. Essentially, they are the driver on an insurance policy that drives the car occasionally, and is not the main driver of the vehicle. While you don’t have to list everyone that has driven your car in the past, it is important that you list anyone that drivers your car regularly to ensure they are covered if they get into an accident while driving your vehicle.
In general, the same level of coverage is available to secondary drivers as primary drivers, granted you have listed them as a driver on your insurance policy. This is the main advantage of listing them on your insurance, even though you will have to pay more for each additional driver that is included on your car insurance policy. If you fail to list a driver and they get into an accident, you risk your insurance company refusing your claim, which is not a situation you want to find yourself in.
The best thing that you can do is talk to your insurance company or aninsurance broker, like HUB Insurance Hunter, about the coverage that is available to secondary drivers on your insurance policy. This will provide you with clarity and answer any questions you have about your specific situation.