What is exclusive driving?

What is exclusive driving?


Third party or full risk insurance, exclusions of guarantees, optional clauses ... Auto insurance is sometimes difficult to understand. You've probably already wondered if you can lend your car. If your contract includes the "exclusive conduct" clause, don't risk it! The consequences in the event of an accident can be severe. Who can drive your car? How can you be insured if your child uses it regularly? We explain to you!
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Summary

    What is the definition of exclusive driving in auto insurance?
    Who can drive my car if my contract includes the exclusive driving clause?
    What happens in the event of an accident when the driver is not named in the contract?
    Exclusive driving and car loan: is it compatible with my insurance?
    Does the secondary driver also accumulate bonus-malus?

What is the definition of exclusive driving in auto insurance?

Exclusive driving is an optional clause that may appear on your auto insurance contract. It limits the driving of the insured vehicle to the persons designated in the contract: the main driver and the secondary driver (s), if any.

The point of exclusive driving is to lower the insurance premium. You can also quite simply designate yourself as the sole driver: your premium will be even lower. Indeed, for the insurer, the more drivers there are in the insured car, the more the risk to be covered increases. It is preferable for him that only one driver uses the vehicle: he therefore encourages it by setting fairly low contributions.
Who can drive my car if my contract includes the exclusive driving clause?

In the case of exclusive driving, the insurance only recognizes the main driver and secondary drivers named in the contract: for example, you and your spouse, or you and your roommates, etc. It is possible that no secondary driver is mentioned: in this case, only you can drive your vehicle. The insurer may refer to the secondary driver for any matter related to the auto contract, such as the payment of contributions for example. Some insurances only allow the addition of a single secondary driver, while others allow more than one.

The main driver is the policy holder. Secondary drivers use the car from time to time. They are placed under the responsibility of the main driver. The more the number of insureds driving the vehicle, the higher the auto insurance premium. The main driver that you declare must be the person traveling most often with the vehicle. If the secondary driver drives more often than the primary driver, you could be accused of auto insurance fraud and risk termination of your contract, loss of compensation in the event of a loss, etc.

The main driver and secondary drivers benefit from the same level of coverage defined in a multi-driver car insurance contract. They are therefore insured in the same way. In the event of damage, whether material or physical, only these drivers will be covered by your insurance.

Your auto insurance contract contains the exclusive clause and it no longer suits your use of your vehicle? You are not bound to your lifetime contract!

    In the 1st year, you can terminate it at the end of its term, that is to say on the anniversary date, or after the deadline following certain events only.

    After 1 year of membership, you can terminate your auto contract at any time, without giving any reasons. You can take the opportunity to find a contract more suited to your needs.

We advise you to start by comparing the offers on the market: you will have a more precise idea of ​​the prices, the exclusions of guarantees, the amount of the deductibles… With the online comparator of Reassure me, you do not even need you anymore. move to an agency: you will obtain quotes for the best auto insurance in a few seconds, free of charge and completely anonymously.