What if an additional driver is not registered on the insurance and you have an accident that is not your fault?

barginsarelife on 10/06/2017 - 22:05
Last edited 10/06/2017 - 23:13

Hey guys and gals

I'm using a family members car to go around which is insured, however, it will cost an extra $600-700 yearly to cover for an addition driver, what if and hopefully not , I get into an accidental which sees me not at fault?
Budget direct is our insurer**

You must list any household members (including learner, provisional and occasional drivers) who may drive the car. Unlisted household members won’t be covered.

Any non-household members who drive the car are automatically covered, however an additional excess of $600 applies (unless they are listed on your policy).

Thanks

Hope to hear an answer soon

Automotive

Comments

  • altomic on 10/06/2017 - 22:13
    +8

    Next post - "help, I was not a nominated driver and caused an accident"

  • Euphemistic on 10/06/2017 - 22:18
    +1

    Does the policy allow non-nominated drivers with an extra excess? If not, don't drive it or sort out the insurance so you are covered.

    Normally if you are at fault the other party pays, but if they are not insured, you are screwed.

  • whooah1979 on 10/06/2017 - 22:38
    +1

    it will cost an extra $600-700 yearly to cover for an addition driver,

    Why would the premium cost $600 for an additional driver? Are you under 25 and a p plater?

    • barginsarelife on 10/06/2017 - 23:04

      Ps

      • whooah1979 on 10/06/2017 - 23:50
        +1

        Ps

        It still doesn't explain why the premium will cost $600 more to add an additional driver.

        • Wampus on 11/06/2017 - 09:24

          Companies like Budget Direct are cheap if you've got a good track record ie rating 1 but they charge through the nose for less insurable drivers…

        • whooah1979 on 11/06/2017 - 09:28

          @Wampus:

          Companies like Budget Direct are cheap if you've got a good track record

          so we can assume that budget direct is rip-off for p drivers under and over 25?

          how much cheaper can some of these no frills insurers be compared to racv or nrma?

  • zealmax on 10/06/2017 - 22:44
    +2

    I thought you insured the "car". Doesn't matter who is driving it. At least with AAMI I was told I don't have to register anyone, but can if I want to. I think some insurance require you pay a higher excess, if the person involved in the accident is not the primary policy holder, or under 25. If your vehicle is not at fault, then you don't pay excess.

    This is my understanding of my policy. I didn't read the fine print, or the PDS. I just asked over the phone. I could be wrong.

    • Euphemistic on 11/06/2017 - 08:06

      Depends on the policy. My car is insured with budget direct, nice and cheap, but only nominated drivers are covered.

  • dcep on 10/06/2017 - 22:58

    Generally, nominated drivers only applies to comprehensive insurance (where you're at fault and wish to claim repair to your own car)

    Whereas Third-party property insurance usually insured to the car no matter who drives it.

  • [Deactivated] on 10/06/2017 - 23:00

    check the policy, sometimes there is a "unlisted drivers" excess to cover this, in addition to any age excesses which may be applicable.

    If there is an accident and it is truly not your fault you could attempt to claim off the other driver's claim, but this is very dependant on it being their fault completely and that they actually put in a claim rather than jerk you around. You've got to be pretty stupid to think that you'd never accidently cause an accident even if you think you're a good driver.

    if you are going to use this car and can't afford the insurance hike I suggest switching to a cheaper insurance, or get your own cheap 2nd hand car/motorbike with 3rd party insurance only

  • [Deactivated] on 10/06/2017 - 23:03

    I don't think you have to if their an occasional driver only.

  • garffi on 10/06/2017 - 23:44

    If the other driver has insurance, you could probably just use their claim number and ask a repairer if they'll fix your car. That way you won't have to contact your insurance. But, if you'll be driving that car often, I suggest changing to a different insurance company that covers unlisted and under 25 drivers for a peace of mind.

    • Diji1 on 10/06/2017 - 23:50
      -6

      The problem with under 25's is that they crash a lot if they own a penis.

  • Falbium on 11/06/2017 - 02:33

    Not much point to this post without a link to the policy…

  • superb on 11/06/2017 - 08:04

    If you are not at fault and you are claiming on the other partys insurance directly (not via Budget) then it would not matter if you are not listed with Budget. However if the other party or their insurer wants you to lodge your claim with Budget to cover any of your damages then Budget may refuse to accept your claim if the policy condition has not been met. In common law you should still be able to claim off other party for your damages by sending them a letter of demand.

    If you are at fault you pay for your+other partys damage out of your pocket. Try an insurer that has more flexible terms and still a reasonable premium.

  • ms_caz on 11/06/2017 - 08:53

    Budget Direct => well there's the problem!

  • VeeDawg on 11/06/2017 - 11:33

    If you live within the same household as the car owner, yet still wish to be covered without being a nominated driver and incurring more costs, maybe you should consider changing your mail address. I did the same just to split costco membership fees.

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