Households with staff, assistants or a regular driver have people behind the wheel who are not family. Whether they are covered depends on how the policy was written rather than on your intentions.
An employee driving your car is a different question from a friend borrowing it. Both need settling in advance.
Three things about drivers who are not relatives.
Permissive use covers an occasional borrower. Somebody who drives your vehicles routinely as part of their work is a regular driver, and leaving them unlisted is the same misrepresentation it would be with a family member. Carriers rate who actually drives.
Where someone drives for you as part of paid work, an injury to them can be a workers compensation matter rather than an auto liability one, and harm they cause to others while working for you can attach to you in additional ways. Personal auto cover does not address the employment dimension.
When anybody drives your car, your liability limit is what stands behind them, and your claims record absorbs the outcome. At this level of exposure that makes the underlying limits and the umbrella above them the practical protection rather than a formality.
Everybody who drives, and on what basis.
Family, staff and anyone else with routine access.
It brings an employment dimension a personal policy does not cover.
Your limits answer whoever is driving.
List everyone who drives the vehicles regularly, including anyone employed.
We list every regular driver rather than relying on permissive use.
Request a quote