Owning an RV is all about freedom and adventure, but it also includes responsibilities like ensuring adequate insurance. Many RV owners ask whether their insurance policy covers other drivers. At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we frequently help RV owners understand how their coverage works, including who can confidently take the wheel.
Permissive Use: What It Means for RV Insurance
In many cases, RV insurance policies include "permissive use." This means that if you permit someone to drive your RV, they’re typically covered under your policy. However, reading the fine print is important because not all policies are created equal. Some may only provide limited coverage for other drivers or exclude certain individuals, like those with a poor driving record.
Named Drivers vs. Occasional Drivers
Some RV insurance policies require you to list all potential drivers on the policy. These "named drivers" are fully covered, but anyone not listed may not be. On the other hand, occasional drivers—like a trusted family member or friend borrowing your RV for a short trip—might still be covered under permissive use. Always clarify with your insurance provider to avoid surprises.
Protecting Yourself and Your RV
It’s important to remember that lending your RV comes with risks. If the person you allow to drive gets into an accident, it could still affect your insurance rates. To protect yourself, ensure the driver is licensed, experienced, and aware of the RV’s unique handling.
At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we’re here to answer your RV insurance questions and help you find the right policy. Contact us today and hit the road with peace of mind!
