I have a car insurance policy that insures drivers under 25 so long as they drive less than "once per week".
My question is, how would they know whether a driver drives less than once per week?
How does an insurance company know how often you drive?
kindshibe on 16/04/2017 - 14:27
Last edited 16/04/2017 - 14:43 by 1 other user
Last edited 16/04/2017 - 14:43 by 1 other user
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I'm currently listed as a secondary driver under my parents' policy. We used to be with AAMI and it was one of the reasons why we switched to NRMA. With NRMA, the owner is covered for anyone that drives their car. The excess might be excessively high though, but so far so good - I've saved well over $6000 over 3.5 years and if I am at fault, a $2000 excess doesn't sound too bad compared to the savings I've reaped.
Satellites that read your brain waves
Gov supplied metadata
Illuminati
It's magic, stupid.
your annual OD reading when you get your pink slip?
Location of OP shows as Victoria. So no Pink Slip.
Short answer: they don't.
how would they know whether a driver drives less than once per week?
They most probably wouldn't unless they do random checks or something. However they're most probably going to be going around trying to establish from witnesses how many times a week you drove if a major claim is ever lodged.
So for example if you worked somewhere 5 days a week and drove under this policy then people at work may say you always arrive in that car.
Duty of disclosure on insurance contracts applies . If you don't disclose then they can avoid/reduce liability. Don't try to mess with scummy insurers. They try to find everything possible to avoid payment. Don't let this turn into a disclosure nightmare with your repairer over OD readings.
They don't… but if you make a high $ claim and you have been telling porkies and they find out there goes that fortune you saved by lying to get a low premium.
You buy insurance to get coverage, not just a low premium. If you have done something to jeopardise that coverage then don't waste your time paying any premium at all as you will not have cover.I always wondered how they know how many claims you have had in the last 3-5 years if you have been with another insurer…Do they share info with each other eg RACV share with AAMI…?
Sounds like an honour policy.