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Car insurance: differences between owner, contractor and driver

When it comes to car insurance it can happen to make confusion between the different figures involved. The time has come to clarify the differences between owner , contractor and driver .

Car insurance: differences between owner, contractor and driver

The difference in meaning of some terms used in the auto insurance sector is not always immediately clear. It is not uncommon for confusion to occur between the owner, contractor and driver of a vehicle: let us see together what the differences are.

Car insurance: who is the owner

When we talk about the owner we refer to the owner of the insured vehicle, that is the person indicated in the vehicle registration document and in the PRA.
The vehicle owner is also the same person who is associated with the risk certificate . The class of merit and the insurance history therefore depend on the owner, fundamental elements for the calculation of the premium. The owner of the vehicle is also the person who is responsible for paying the car tax or motorcycle stamp.

Car insurance: who is the contractor

The contractor is the person who signs the insurance contract . There can be confusion between contractor and owner because these two figures do not always coincide.
The most frequent case in which the policyholder and the owner of the vehicle are two different persons is the case in which the vehicle is owned by a parent who grants the vehicle to a child who uses his own name on his own policy.

Car insurance: who is the driver

Among the three figures the driver is perhaps the easiest to identify: the driver is the person who drives the insured vehicle.
Accurately identifying the driver is very important when the policy includes precise driving formulas . This is the case for policies that provide exclusive guidance or expert guidance : in the first case, insurance coverage in the event of an accident is recognized only if the driver is the person indicated in the policy, while in the second case the coverage is valid only if the drivers have gained a certain seniority or exceeded a minimum age limit.
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About Minh Hiếu

Le Minh Hieu is a national-level weightlifter and a Singapore Weightlifting sports performance coach. Hieu's biggest passion is helping everyone find confidence, happiness, and health through fitness.


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