Does insurance cover different insured, driver and owner?

Taking out car insurance is essential, but many people have questions about when the loss is covered. For example: does the insurance company cover when the insured, driver and vehicle owner are different people? Find out the answer in the text!

Car insurance has three main agents: the insured, the driver, and the owner. Sometimes, these three are the same person, which makes coverage easier.

In other cases, however, these agents are different. So, the question arises: in the second scenario, does the insurance cover the claims?

First of all, it is necessary to explain who is who in the insurance contract. The insured is the person who contracts the protection for the vehicle, and who is responsible for paying the installments.

The driver is the driver of the vehicle at the time of the accident.

The owner, in turn, is the owner of the car, the name that appears on the vehicle's CRV. The CRV is the (Vehicle Registration Certificate).

Below, we explain the rules for each of the individuals, so that the claim is always covered.

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What happens when the insured, driver and owner are different?

The rules regarding the insured and the driver

When taking out insurance, the insurer assumes that the insured is the same person who will drive the vehicle. The profile of the car driver is essential for determining the cost of the protection.

This is because the more experienced the driver, the lower the chance of an accident. Therefore, the lower the cost of your insurance.

For this reason, there is no problem when the insured is a different person from the other agents in the contract. However, it is essential that this differentiation is communicated to the insurer.

Otherwise, after an accident, the company may accuse the user of fraud, and compensation may therefore be denied.

When getting an insurance quote, it is also important to inform the relationship between the insured and the driver. The most common relationships are parent/child, spouse/partner and partner/company.

Another tip is to indicate secondary drivers to the insurance company. The secondary driver is an individual who drives the car, but more sporadically than the main driver.

It is important to say that some companies have more specific rules on this subject.

For example, there are those that do not cover the claim if the car is driven by a person who does not appear as a secondary driver. In these situations, lending the car to a friend can be a problem.

Other insurance companies only pay for losses if the user indicates that drivers under 25 years of age may drive.

If an individual of this age suffers an accident, and this is not indicated in the policy, the accident may not be covered.

Therefore, it is essential to pay attention to your insurance contract. If in doubt, ask the insurer for information before signing the contract.

This way, you will have greater security of always having your losses covered. But be careful: only hire insurance companies authorized by Susep (Superintendence of Private Insurance).

They are the only ones who can provide this type of service in the country.

Rules about the owner

One of the main concerns of the insurance company regarding the owner is the CRV. This means that if the car has been sold, and the CRV has been updated, the insurance company must be informed.

Otherwise, there will be problems, as the information in the contract will be out of date. This compromises the protection coverage.

If the driver and/or insured are related to the vehicle owner, there will be no problem. Again, the most common relationships are between parent/child, spouse/partner and partner/company.

Remember, in any case, that failure to comply with traffic regulations eliminates the consumer's right to claim coverage.

The same applies to driving by an unlicensed person and a drunk driver. This is regardless of who is behind the wheel — the insured, the driver, the owner or a third party.

Now you know when insurance covers different insureds, drivers and owners. Count on a good insurance broker, who will be able to help you choose the best protection!