If you are the primary insured driver of a leased vehicle what additional coverage do need for one extra driver?

As the primary insured driver of a leased vehicle, you typically require additional coverage to enable another person to drive the car. This additional coverage is called "Permitted Driver Coverage" or "Additional Driver Coverage." It extends the insurance policy to cover authorized drivers who are not listed as primary or named insured on the policy.

Here's what you need to know about permitted driver coverage:

1. Named Drivers: When adding an additional driver to the policy, they become a "named driver." Their details, such as name, age, and driving experience, will be added to the insurance policy.

2. Coverage Extension: Permitted driver coverage extends the primary insurance policy to cover the named additional driver when they operate the leased vehicle. It provides the same level of coverage as the primary insured driver, including liability, collision, and comprehensive coverage.

3. Verification of Coverage: Before adding an additional driver, the insurance company may require verification of their driving history and license status. They might also request a copy of the additional driver's driver's license and proof of address.

4. Premium Adjustment: Adding an additional driver may affect your insurance premium. The insurance company will assess the risk profile of the new driver and adjust the premium accordingly. Younger, inexperienced drivers may result in a higher premium increase compared to older, more experienced drivers.

5. Permissible Use: Permitted driver coverage typically extends only to the operation of the leased vehicle. It does not cover the additional driver's use of other vehicles or their personal vehicles.

6. Exclusions: Some insurance policies may have specific exclusions related to permitted drivers. For example, some policies might exclude coverage for additional drivers who are under a certain age or have certain driving violations on their record.

7. Reporting Additional Drivers: It is essential to inform your insurance company as soon as possible if you need to add an additional driver to the policy. Failing to do so may result in coverage gaps and affect your ability to make a claim in case of an accident.

Remember, the specific requirements and coverage options for additional drivers may vary based on the insurance company and your location. It's always advisable to discuss the details with your insurance provider and ensure you have adequate coverage for all authorized drivers of the leased vehicle.