by Guest » Wed Jun 10, 2009 11:04 pm
I plan on taking my dad's car to Edmonton (3000 kilometers away), and he will still be the policyholder on the insurance for the car, but I will be the primary driver... will insurance companies not like this?
Posted: Wed Jun 10, 2009 11:14 pm Post Subject:
Are you listed on the policy as a driver? You should call them and let them know where the vehicle will be "garaged".
Posted: Thu Jun 11, 2009 05:39 am Post Subject:
Hi Fizz,
I think you should have a chat with the insurance agent first. Though most of the policies would extend coverage across the states but it's always better to be sure beforehand than facing problems later on.
Posted: Thu Jun 11, 2009 06:19 am Post Subject:
Hi fizzbitch,
Insurance companies don't usually object to such things if done in a proper way.
Did you consult with your Dad regarding this? What's his opinion?
Steven
Posted: Tue Jun 16, 2009 04:17 pm Post Subject: Primary driver away from home address of policyholder
Hello,
Your situation occurs often when a policy owner's child attends college in a state/province differing from the owner's permanent place of residence. If your father's insurer cannot insure across provinces on the existing policy, they may have a provision by which a companion policy could be created for the vehicle. This companion policy would be attached to the main policy under which your father's other vehicle(s) are insured.
Hope this informatio is helpful.
Posted: Wed Jun 17, 2009 05:33 am Post Subject:
they may have a provision by which a companion policy could be created for the vehicle.
Companion policy...hmmm.
Sunshine, would you please explain bit more about companion policy?
- Would it require the policy holder to pay additional premium?
- Who would be the named insured?
Posted: Fri Jun 19, 2009 06:22 am Post Subject:
Hi Sunshineva,
This companion policy would be attached to the main policy under which your father's other vehicle(s) are insured.
Would this companion policy be governed by the rules laid by the other state?
Or is it that both policies would have similar clauses?
Steven
Posted: Fri Jun 19, 2009 08:30 pm Post Subject: Companion Policy
Hi Steven,
Don't think my previous reply went through so answering again. My primary policy was MO and my companion was VA -- probably wouldn't be a need for separate policy if could be insured any differently.
Hope this is what you were getting at.
Posted: Sat Jun 20, 2009 05:00 am Post Subject:
Hi Sunshine,
What was your companion policy limit? Did it had the limit of MO or VA?
Posted: Sat Jun 20, 2009 05:37 am Post Subject:
Hi Sunshineva,
probably wouldn't be a need for separate policy if could be insured any differently.
Did they offer you separate paper works for the companion policy?
Or is it that they updated the main policy clauses and made provisions for the companion?
Steven
Posted: Sat Jun 20, 2009 12:46 pm Post Subject: Companion Policy
Kelvin,
Only difference was by election -- I didn't have comp/collision on my the beater that my kid drove :)
I do think the MO vehicle was not included for stacking purposes though but I can't remember for certain (I'm not in the situation any no longer).
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