MJD Risk Insurance Brokers

Short Term Insurance and Risk Management Consultants

“Partners in your Risk”

So often vehicle insurance, life policies or even educational policies are taken out to secure our future. Yet, so many customers do not read the fine print. It is absolutely imperative that those long-paged documents are actually read and understood.

It’s a situation many of us are all too familiar with. You choose to upgrade your car and pass on your existing one to a child or spouse, only to have it involved in an accident.

Naturally, your first port of call is your insurer – after all, you’ve been a loyal customer for years, and now it’s time for them to pay up.

Right? Not so fast.

In circumstances where the incorrect person was noted as the regular driver, claims are often rejected, given the fact that the person behind the wheel is deemed not to be the car’s ‘regular driver’. Inevitably, this can be a cause of immense frustration – not to mention financial complications – for policyholders, many of whom simply fail to realise the insurance implications of handing your car over to somebody else. 

So what defines a ‘regular driver’ and what steps should you take to ensure your vehicle is appropriately covered?

Here are a few key answers to satisfy those burning questions:


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