Our office will contact you within a few hours. If there is no principal operator, then you would need to declare this. The debt repayment obligation is detailed in the loan agreement. If the good driver is the principal operator for all vehicles in the household than that sends out a red flag to ICBC. ICBC – main driver consideration I own a vehicle, working part time 5 days a week. Business Writer Editor Olivia Wakeman has more than 20 years of business writing and business editing experience.
|Date Added:||1 December 2010|
|File Size:||35.97 Mb|
|Operating Systems:||Windows NT/2000/XP/2003/2003/7/8/10 MacOS 10/X|
|Price:||Free* [*Free Regsitration Required]|
Common instances of a breach is where a insurancd is insuring and owing a vehicle which apparently is being driven by a child. It is this insurabce whose credit, driving history, vehicle use and age will be reviewed. If a household has more cars than drivers, it is possible for one person to be the primary driver for more than one car. Furthermore, primary driver status does not mean the driver is responsible for paying the car loan. You are not required to do so during the term of the original policy.
Principal Operator Breach
If a household has two cars and two licensed drivers, jcbc assume that each car will have a different primary driver. Only when it’s time for renewals. You don’t have to change policy mid way through. Principal Operator The principal operator, or primary driver, is the person who will be driving the car listed on the policy the majority of the time.
Your vehicle will then be rated at the base rate on the claim-rated scale and, as such, you will not be entitled to any discount or surcharge, as ICBC will not be able to form a proper assessment of crash risk. Rotate image Save Cancel.
My spouse will drop me off at work and take the car for personal errands, she is unemployed at the moment. Probably should go to another insurance agent for a second opinion.
ICBC – main driver consideration – Forums
My spouse will start working full time soon. Are You a Primary or Secondary Driver?
This information — along with the age, make, model and mileage on the car — are the key considerations when a policy is priced. A principal operator is declared at the time of renewal of your ICBC policy of insurance.
Does that make sense?
If, however, in the event of a motor vehicle accident, ICBC is of the belief that the principal operator was falsely declared, you can be held in breach of your policy.
This is done in insuranfe attempt to secure lower premiums. This will have the effect of you receiving no accident benefits, and, if you are at fault, being held personally liable for any settlement amounts or court judgment against you. You can just leave it as is. Designating Secondary Drivers Each driver who shares the address on the policy and may drive the car at any time should be listed. If the isnurance does not have as good a safe driving icbv as the owner, ICBC often breaches the owner and driver of the contract of insurance.
The principal operator, or primary driver, is the person who will be driving the car listed on the policy the majority of the time.
If you are not at fault for the accident, and ICBC states that you are in breach of your insurance policy, then you would receive no accident benefits through them, but would still have the right to sue the other party for damages for pain and suffering, economic loss, and other damages. Since we’re both starting new jobs, it’s hard to predict how often each of us will take the car for work in the coming few months.
What Is Primary & Secondary Driver Insurance? |
The end result of doing that is you are basically driving the vehicle without insurance if ICBC finds out about your false declaration and breaches you. This scenario is common when a parent buys a car for a child. It is a standard process for the ICBC adjuster to consider who was driving the vehicle as compared to who is named as the principal operator on the contract of insurance.
The driver who clocks the most miles is considered the primary driver and is listed first on the policy. My insurance policy is not expiring until March next year. Our office will contact you within a few hours.
Secondary drivers use the vehicle, too, but not as often. If the knsurance has three cars and three drivers, such as two parents insurace a teen, the cars will be matched to the people one to one, with one person paired with one car.
ICBC – main driver consideration I own a vehicle, working part time 5 days a week. If the good driver is the principal operator for all vehicles in the household than that sends out a red flag to ICBC.