Insurance issue

[Sash1401]

fellow bros, i've got a few issue on insurance that i would like to ask from u guys...

 

1) when u bought insurance for ur car under ur name, if it happened that ur car got into accident(touch wood, i'm not cursing anyone here but quote an eg only) like someone knock ur back n the driver of ur car happened not to b u but someone else like next of kin(wife or whoever). In dis case, can we still claim the insurance of the other car who knocked the back of ur car? or in the case of major accident, can insurance still b claimed when the driver is not insured?

 

2) izit really true that insurance under ladies name tends to b cheaper? does anyone know y?

[Steptronic]

fellow bros, i've got a few issue on insurance that i would like to ask from u guys...

 

1) when u bought insurance for ur car under ur name, if it happened that ur car got into accident(touch wood, i'm not cursing anyone here but quote an eg only) like someone knock ur back n the driver of ur car happened not to b u but someone else like next of kin(wife or whoever). In dis case, can we still claim the insurance of the other car who knocked the back of ur car? or in the case of major accident, can insurance still b claimed when the driver is not insured?

 

2) izit really true that insurance under ladies name tends to b cheaper? does anyone know y?

1) If the driver at the time of any accident is a named driver in your insurance, then it is not a problem. (Just an additional note: Please remember that if it is from some insurance companies, then you should be proving that the names driver was driving less than you)

 

2) Generally lady driver's premium less as they tend to drive carefully and less aggressively - the chance of any acceident is lower

[Kungming]

2) Generally lady driver's premium less as they tend to drive carefully and less aggressively - the chance of any acceident is lower

 

Yeah right, but they're the cause of many accidents with their indecisiveness! OOps!

[Sash1401]

1) If the driver at the time of any accident is a named driver in your insurance, then it is not a problem. (Just an additional note: Please remember that if it is from some insurance companies, then you should be proving that the names driver was driving less than you)

 

2) Generally lady driver's premium less as they tend to drive carefully and less aggressively - the chance of any acceident is lower

 

Hi bro, do u mean if the driver who got involved in the accident is nt the insured driver's name den it will nt b possible to claim the insurance? So if the car is being insured Unser my dad's name so matter wat kind of accident so long as the driver is nt my dad den I can't claim rite? Is there any way to bluff ur way thru? Juz asking

[Beehive3783]

Hi bro, do u mean if the driver who got involved in the accident is nt the insured driver's name den it will nt b possible to claim the insurance? So if the car is being insured Unser my dad's name so matter wat kind of accident so long as the driver is nt my dad den I can't claim rite? Is there any way to bluff ur way thru? Juz asking

I suggest you read your policy and understand it first.

 

Some insurers do cover OD and TP claims for unnamed drivers, as long as they are authorized by the policy holder/vehicle owner. But there is most likely an additional excess to pay for this category of drivers.

[Steptronic]

Hi bro, do u mean if the driver who got involved in the accident is nt the insured driver's name den it will nt b possible to claim the insurance? So if the car is being insured Unser my dad's name so matter wat kind of accident so long as the driver is nt my dad den I can't claim rite? Is there any way to bluff ur way thru? Juz asking

Please read through your policy. Some companies allow any authorised driver.