Can I include other drivers on my policy?

The most appropriate approach when purchasing car insurance is to ensure that it covers all possible situations that may arise in the event of an accident, providing protection tailored to your needs. For this reason, at Caser Insurance, we recommend that you notify us of the possible existence of a second or occasional driver.
If your car is regularly used by a second driver, it is highly advisable to inform us at the time of formalizing your policy.
This aspect is not only important for calculating your car insurance premium but, more importantly, to ensure that the frequent use of your vehicle by other drivers is included in the contract and enjoys proper protection.

WHAT LIMITATIONS EXIST WHEN HAVING A CAR INSURANCE WITH ADDITIONAL DRIVER?

In this regard, while you are, of course, free to lend your car to whomever you see fit, you should be aware that certain limitations in your car insurance coverage may apply if an inexperienced driver is involved in an accident with your vehicle.

As a general rule, if the additional driver's profile—regarding age and length of time holding a driver's license—is similar to that of the insured persons listed in the policy, there should be no issues with the extension of your coverage, provided the accident occurred during sporadic use of the vehicle.
On the other hand, if the additional driver's profile reflects a lower level of driving experience compared to the insured individuals—specifically, if they are under 28 years old or have held their driver's license for less than two years—the insurance company is legally entitled to determine that the incident does not meet the policy's specified conditions, and thus, may not cover the damages incurred.

Therefore, even if you have comprehensive car insurance, with or without a deductible, at Caser insurance we recommend that you include in your policy all individuals who will frequently use your vehicle under the classification of an occasional driver. This is especially important if the driver has limited driving experience, ensuring maximum protection.