![]() Some insurers may not cover you if someone else drives your car and they have an accident. For example, if they have an accident while driving your car, your premium could increase. This is because their driving behaviour could affect your premium. ![]() If you lend your car to a friend or family member, you should let your insurance company know. This is because the black box records the driver’s identity when they start the journey. If you have a black box policy and someone else drives your car, the insurance company will usually be able to tell. It’s essential to check the terms and conditions of your policy to see which type of black box policy you have.Ģ) What Happens If Someone Else Drives My Car? Most black box policies are ‘pay-how-you-drive’ policies, but some insurers offer ‘pay-as-you-go’ policies. So if you drive safely, you could benefit from a lower premium. – Pay-how-you-drive – your premium is calculated based on your driving behaviour. The more you drive, the higher your premium will be. – Pay-as-you-go – your premium is calculated based on the number of miles you drive. There are two main types of black box policies: Therefore, if you are a safe driver, you could benefit from lower premiums. The data from the black box is used to assess how well you drive, and this information affects the price of your premium. ![]()
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