I have a comprehensive insurance policy for my car. I am planning to keep a driver. In case of an accident can I still file a claim?
If the person driving the vehicle holds a valid driving license at the time of the accident, the claim is payable
I have a comprehensive insurance policy for my car. I am planning to keep a driver. In case of an accident can I still file a claim?
David Jose, Bangalore
In case of a comprehensive car insurance cover, if the person driving the vehicle (that is, the driver) holds a valid driving license at the time of the accident, the claim is payable. Therefore, while employing a driver, you only need to ensure that he has a valid driving license. If this condition is satisfied, all claims arising from the perils insured under the policy are payable irrespective of who was driving the car at the time of accident. By paying a small additional premium, you can also insure your driver for personal accidents.