AAMI Insurance Definition of Regular Driver Question

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AAMI

• 

  hamza23 on 17/02/2022 - 14:36

  +4

  From AAMI website, it would suggest that you do list them:

  You must list anyone you know or expect will use the car regularly, or only from time to time during the period of insurance. That means anyone who is likely to drive your car more than once throughout the policy period (except learner drivers, who don’t need to be listed).

  It also means that if someone who isn’t listed is driving when an incident occurs, you may have to pay a higher claim excess, your claim may not be paid in full, or it may not be paid at all. So if you’re in doubt, list them.

  • 

    epicman on 17/02/2022 - 15:15

    Thanks that's where I found the reference to a regular driver being someone who drives more than once a year. It is worrying that they can deny claims on the basis of someone not being listed but have their customer service agents suggesting not to add additional drivers. I will contact them again and if they suggest not adding him again I'll get them to send it in writing so I have proof of their position.

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  Hithere on 17/02/2022 - 15:02

  +1

  Could we claim plausible deniability by not listing my son and saying that support advised us not to add him?

  Doubt it very much. Unless you get it in writing from someone authorised to make that decision I wouldn't be taking the chance.

  • 

    epicman on 17/02/2022 - 15:20

    I agree and don't want to have the risk of being denied coverage if AAMI claim their support agents don't constitute legal advice or something similar when claiming. I also forgot to get their advice in writing so don't have proof of the interaction either.

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  brad1-8tsi on 17/02/2022 - 15:15

  +1

  If you don't list him the excess is higher.

  Or you could be like my ex who insured the kids car for full licence holders while one was still on their Ps and didn't seem to care when I told her what the risk was…

  At 2days/week I'd call that regular driving.

  I have my GF listed. She drives my car every couple of months

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  Brian McGee on 17/02/2022 - 16:03

  +2

  List anyone who will drive the car knowingly. Once a week is a regular driver.

  An infrequent driver is a mate that borrows your van to move a couch or drives your car home if you've had too much to drink at the pub.

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  Euphemistic on 18/02/2022 - 05:28

  I don’t know how you think once or twice a week isn’t a regular driver.

  While I think more than once per year (once per policy period) isn’t regular, the policy is if in doubt, list. IMO if they are driving every couple of months it’d be considered regular in a ‘pub test’

  Think about what your neighbours might say if someone asked. They might not know how many times each driver drives a car. But if they wouldn’t say a driver has never driven that car, you probably should list that driver.

  We have two cars. My partner and I drive the ‘family car’ several times each per week. The second car has only been driven by my partner a handful of times in the 4-5years we’ve owned it and is listed, just in case.