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- If your 18-year-old is listed as an occasional driver, they typically can drive your car during college breaks without raising your premium.
- Ensure your insurance policy explicitly includes your child as an occasional driver.
- Always inform your insurer about your child’s college status and driving habits. Open communication ensures that your child is properly covered.
All licensed drivers in a household must be added to the household car insurance policy. If not, the insurer may not cover an accident or other claims. Therefore, if your daughter drives your insured cars on breaks, she must be added to the policy.
Adding an 18-year-old daughter to a car insurance policy can be expensive since teenage drivers are considered high-risk and pay higher insurance rates. However, you can take advantage of a student-away-at-school discount to lower your car insurance premiums.
What happens if she has an accident while driving the family car during a break?
If your daughter meets with an accident while driving the family car, your insurance will typically cover the incident as long as she’s listed on the policy or has been given permission to drive.
However, the type and extent of coverage would depend on your policy’s limits and the coverage you have. Claims may impact your insurance premium, so consider additional coverage if she’s frequently driving during school breaks.
Is it cheaper to adjust my current policy or get a new one for my daughter when she’s home?
Adjusting your current policy to include your daughter during breaks typically proves less costly and easier to manage than purchasing a separate teen policy. Compare both options by requesting quotes and discussing them with your insurance agent.
Check out our detailed guide on car insurance for an 18-year-old
Final thoughts
Most auto insurance policies cover household members, including children, even if they are away at college. However, it’s essential to inform your insurance provider about their status as a student and confirm that they are covered while driving your vehicles during breaks.
This will help avoid any surprises in case of an accident or claim. It’s also a good idea to review your policy to ensure that you understand any limitations or requirements that may apply.
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