occasional driver

An occasional driver in auto insurance is a person who is licensed to use an insured vehicle infrequently. In other words, an occasional driver is not the vehicle's primary or principal driver. The designation is often used for household members or other permitted drivers who may operate the vehicle from time to time. Insurers may consider factors such as frequency of use, mileage, residence in the insured household, age, driving record, and policy rules when deciding whether the person must be listed and how the premium is charged as a result. If the driver's use becomes regular or primary, the insurer may require that the driver be reclassified. Providing inaccurate information on such drivers can affect rating, coverage, or claim response.