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2 Usual Inquiries Related to Car Insurance Policies in NSW

admin by admin
October 6, 2022
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2 Usual Inquiries Related to Car Insurance Policies in NSW
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Some car owners may wonder about the functioning of car insurance policies when many people use their vehicles or have multiple cars to cover. If you are caught up in the same thoughts lately, read the below answers to hopefully satisfy your curiosity. Also, you can quickly contact your best car insurance provider through car insurance online, email, or phone services to seek correct information on the above mentioned concerns.

In this article, we focus on listed drivers and multi-car insurance. Read on to know the most common queries around these topics.

1.Listed drivers on a policy

Who should be listed?

You can list family members like those who may drive your vehicle rarely or have an active learner’s/provisional license and use your car. Even when your vehicle is involved in unanticipated road incidents involving an unlisted driver, you may be able to counter that by paying an unlisted driver excess (plus standard and other applicable excesses) while raising a claim. Some insurers have this option whereas others will simply deny your claim – that is why it is clever to list all drivers on your policy and refuse to let unlisted drivers take the wheel.

Depending on your policy, non-family members who don’t belong to the excluded driver category (as is the case in having driver age restrictions) may be implicitly covered. At the same time, you may need to pay all applicable excesses along with unlisted driver excesses while claiming.

Do I need to list my child with a probationary license on my policy?

Whether or not your child lives with you, if they drive your car then nominating them on your vehicle insurance policy is always best. You may have to shell out significant amounts as excesses while filing a claim if your child who hasn’t been listed drives away your vehicle only to ram it onto a tree, obstacle, another car, etc. Or, your claim may be denied completely.

Who are excluded drivers?

You can exclude drivers of a certain age bracket from your policy coverage. For instance, selecting 25+ means your car will not be covered for loss/damage when a driver less than twenty-five years old drives your vehicle and is a party to a car collision or impact. Excluding specific drivers on your policy can considerably lower your premiums, yet, you may have to shell out additional excesses for a successful claim (or be denied altogether).

2.Multiple car insurance policies

Can I purchase more than one car insurance policy?

Of course, you can buy more than one vehicle insurance policy, but you can cover only one car with a single policy. Don’t you think having two vehicle insurance policies for a single car makes little sense? In such a case, you may have to pay double the premiums but receive a combined payout only equal to the vehicle loss/damage during at-fault road events. Also, on each policy, you need to have a regular driver and nominated drivers listed.

Is there multi-car insurance?

Many vehicle insurers offer multi-car insurance wherein many cars can be insured under one policy, and the related premiums can be paid as one consolidated bill. You can consider buying such policies, where the benefits include reduced paperwork and the possibility of receiving an additional discount. 

Even though several cars stay under the same hood of one policy, each vehicle is considered exclusively during claims.

Car owners looking to buy the best fit vehicle insurance policy may need to shop around a little bit. You can easily buy a policy and manage your account by logging in at the car insurance online portals. Finding the best car insurance is possible when you pay attention to your vehicle needs, usage, budget, and benefits across vehicle insurance plans. So, thoroughly evaluate your options before signing up for a policy.

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