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Farm Business
Agricultural Matters
Insuring young drivers/workers to drive farm vehicles.
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<blockquote data-quote="TheTallGuy" data-source="post: 7850936" data-attributes="member: 9121"><p>Different insurers use different parameters in their calculations, but for a given mileage having experienced drivers should reduce the overall risk profile because the assumption will be that a certain percentage of estimated mileage will be undertaken by the experienced driver. 5000 miles at 100% risk rating compared to an assumed 4000 miles at 100% and 1000 miles at 20% yields different results. If the insurance company are aware that the named driver is only being put on in order to try and get cheaper insurance & that there's no intention for them to drive the vehicle then they may decide to maintain the higher risk rating for the total mileage.</p></blockquote><p></p>
[QUOTE="TheTallGuy, post: 7850936, member: 9121"] Different insurers use different parameters in their calculations, but for a given mileage having experienced drivers should reduce the overall risk profile because the assumption will be that a certain percentage of estimated mileage will be undertaken by the experienced driver. 5000 miles at 100% risk rating compared to an assumed 4000 miles at 100% and 1000 miles at 20% yields different results. If the insurance company are aware that the named driver is only being put on in order to try and get cheaper insurance & that there's no intention for them to drive the vehicle then they may decide to maintain the higher risk rating for the total mileage. [/QUOTE]
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Insuring young drivers/workers to drive farm vehicles.
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