What if wife does not have insurance on Car as 2nd driver ?

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Smiley
Member since: Mar 03

Posts: 1185
Location: USA
Post ID: #PID

Posted on: 19-01-05 14:38:55

My company ING also was trying to charge me extra when I added my wife as a driver to our car but when we showed that she had a driving record for more than 10 years in India and US combined , They did not increase my premium but I feel safe in disclosing it to avoid any non-payment of claims if my wife ever crashes the car

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Aarya
Member since: Jul 04

Posts: 7
Location: Hamilton, ON
Post ID: #PID

Posted on: 21-01-05 12:42:58

I just moved from US in NOV and I have 5 1/2 years of US driving experience I got G license and I have one car Toyota Corolla my auto insurance comes around $180 but when I tried to add my wife's name who has 2 years of US experience my auto insurance comes almost $300 per month.
And this quote I got from CAA and PC Financial.
I would really like to know why in my case the insurance rises so much. We both have clean records. I work from home and my wife doesn't even work I mean she is House wife.
Please If anyone could advice me regarding my situation.
Thankyou in advance

smartguy
Member since: Aug 03

Posts: 446
Location: CaNaDa
Post ID: #PID

Posted on: 21-01-05 14:09:36

Quote:
Orginally posted by pratickm

Adding a second driver should not make any difference to the insurance premium, unless the driver being added has a proor driving record and/or violations and past claims.
If the wife has recently got a G2 and doesn't have any past violations, claims or bad record then insurance should not go up.

NO. I m not agree with u. As chandresh said, by adding a new person with G2 licence, u r increasing more chances of accident. And it is true. my friend added his name with his uncle and now his uncle is paying 200 more /year. He has no previous record and he is holding G. Bytheway its with Meloche Monnex.

Now a Q is, Do u have to add legaly name of all people honding licence in ur home??
What if u dont and u involved in an accident and later ins. company came to know that there were ppl who were not added?
It is obvious that if someone whose name is not added is driving car and involv in an accident, compnay will give u nothing!

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Contributors: chandresh(2) pratickm(2) Smiley(1) Aarya(1) ihpatel(1) smartguy(1) Desi # 1(1) jago_desi(1)

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Charcha

What if wife does not have insurance on Car as 2nd driver ?

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