When am I considered a regular driver?

When you buy car insurance, you specify who the regular driver of the car is. The regular driver is the person who drives the car most of the time. Often, the policyholder himself is the regular driver, but it may also be someone else, such as your partner. Based on the personal information of the regular driver, the amount of the insurance premium is determined.

Difference between regular driver and main driver

In addition to the term "regular driver," you've probably heard the term "principal driver. These two terms are often used interchangeably. This is because they basically boil down to the same thing - the person who drives the car the most. This driver is usually also the person who buys the car insurance and in whose name the license plate is registered. However, this is not always the case. Therefore, when taking out car insurance, you should always specify who the main driver is.

Regular driver not necessarily owner

As mentioned, the regular driver is often the owner of the car, but this does not have to be the case. In fact, you can also purchase car insurance and indicate that someone else is the regular driver of the car. We give you two examples where the regular driver is not the owner of the car:

Example 1: A father owns the car and declares his son as a regular driver

A father buys a car for his son, but he remains the owner of the car. The registration number is therefore in his name. He takes out a car insurance policy and indicates that his son drives the car most of the time. The insurer then calculates the amount of the premium on the basis of the son being the regular driver. The son is the regular driver, but not the owner of the car.