Yes that make sense. If a household has more cars than drivers, it is possible for one person to be the primary driver for more than one car. Our office will contact you within a few hours. For an example of the serious repercussions that can occur by falsely declaring who the principal operator will be, please see the case of Booth v. Does that make sense? CarProof Reports For Sale.

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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.

If during the term of the original icvc the insurancee of the principal operator changes, you would need to bring this to the attention of your Autoplan broker at the time of your next renewal.

Other common instances are where there is a husband-wife or boyfriend-girlfriend situation and one partner has a much lower discount rate than the other partner. The principal operator, or primary driver, is the person who will be driving the car listed on the policy the majority of the time.

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.

This is done in an attempt to secure lower premiums.

Furthermore, primary driver status does not mean the driver is responsible for paying the car loan. This information — along with the age, make, model and mileage on the car — are the key considerations when a policy is priced.


Congrats innsurance the Winners! Designating Secondary Drivers Each driver who shares the address on the policy and may drive the car at any time should be listed. 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.

Principal Operator

Skip to main content. About the Author Business Writer Editor Olivia Wakeman has more than 20 years of business writing and business editing experience. My insurance policy is not expiring until March next year.

Though this will ibsurance be the owner of the vehicle, this is not always the case. One person will be designated as the primary driver for one car and the other person designated for the other car. Wakeman holds a Master’s degree in international business from the Thunderbird School of Global Management. You don’t have to change policy mid way through.

Principal Operator

ICBC – insuurance driver consideration I own a vehicle, working part time 5 days a week. Get a free claim estimate Get a free, no obligation consultation.

The primary driver is under the most scrutiny when the policy rate is determined. Insuring Multiple Cars If a household has two cars and two licensed drivers, insurers assume ibcc each car will have a different primary driver. 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.

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Are You a Primary or Secondary Driver? Primary and secondary driver insurance refers to the driver designation of two or more drivers of the same vehicle on the same policy. This is never an issue unless it was a child-parent relationship.


If I let her take my car for work, must I cancel my policy right away and have it under her name? Secondary drivers use the vehicle, too, but not as often. 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.

ICBC – main driver consideration – Forums

My spouse will drop me off at work insuraance take the car for personal errands, she is unemployed at the moment. Your vehicle will then be rated at the icgc 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. Others will not list inexperienced drivers, or drivers with a history of at-fault claims, as the primary operator.

Someone may be listed as the primary driver on an auto policy and not own the car. If the driver does prrimary have as good a safe driving discount as the owner, ICBC often breaches the owner and driver of the contract of insurance.

Depending on which text editor you’re pasting into, you might have to add the italics to the site name. This scenario is common when a parent ocbc a car for a child.