lisäkuljettaja

Lisäkuljettaja, a Finnish term often translated as "additional driver" or "named driver," refers to a person other than the primary policyholder who is authorized to drive a vehicle insured under a specific car insurance policy. This designation is important for insurance purposes as it clarifies who is covered by the policy in the event of an accident or other insured incident.

When purchasing or renewing a car insurance policy, the policyholder typically names the main driver. However, circumstances may arise where other individuals regularly use the vehicle. Adding a lisäkuljettaja to the policy ensures that these individuals are also covered by the insurance. This is crucial because if an uninsured person drives the vehicle and is involved in an accident, the insurance policy may be invalidated, leading to significant financial liability for the owner.

The process of adding a lisäkuljettaja usually involves providing their personal details, such as their name, date of birth, and driving license information, to the insurance company. The insurance provider will then assess the risk associated with this additional driver, taking into account factors like their age, driving history, and any previous claims. This assessment can affect the overall premium of the insurance policy. In some cases, a younger or less experienced driver might increase the cost of insurance.

It is essential for policyholders to be truthful and accurate when declaring all regular drivers, including any lisäkuljettaja. Failure to do so can lead to the insurance company denying claims or even canceling the policy, leaving the owner unprotected. Understanding the role and implications of a lisäkuljettaja is therefore a key aspect of responsible vehicle ownership and insurance management.