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Will a parent's insurance go up with a new driver in the household if the new driver has their own insurance?
Wiki User
∙ 17y ago
PROBABLY not if they specifically EXCLUDE that driver on their own policy. However, this will be an underwriting function and the underwriter could indeed raise the rate even if the parents exclude him/her. If the new driver has their own policy, though, the parents policy would AT MOST, only provide excess coverage. This excess coverage COULD (and probably WOULD) become available if a loss exceeds the policy limits of the new driver. So this fact may prevent the parents' rate being raised. HOWEVER, there is still the fact that, given there is another vehicle in the same household of the new driver, the likelihood that at some point in time they will drive that vehicle is really considered quite high.
Wiki User
∙ 17y ago
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Can a new driver without a car drive their parents' car under the parents' insurance?
Yes, but the parents have to add the new driver to their policy.
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You may need to get your insurance company to add the new driver on with a rider clause to be covered. It is possible that your coverage will allow the new driver, but, some insurance companies do not allow new drivers to be on the parents insurance, They make the new driver get an insurance policy on his or her license before they will cover them in the parents car. Check with your agent before you let the new driver operate the vehicle alone or you may loose your insurance.
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new driver car insurance discounts in Virginia?
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Does a new teenage driver need to be insured himself if hes only driving his parents insured cars?
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Where can one get a car insurance for a convicted driver?
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Is it possible to get cheap car insurance as a new driver?
Cheap car insurance for a new driver is easy to come by nowadays. You can find car insurance all over the internet. You should usually see commercials on TV about car insurance.
When to get car insurance for new child driver?
Check with your Insurance Agent/Company to be specific. Definately as soon as they receive their license. At the very least, the insurance company should be aware of the new driver as soon as they get their permit.
