(Ontario) Premium goes down if I add a secondary driver?

Just wanted to double check as it seemed a bit counter-intuitive to me. I assumed adding any sort of additional driver would be an increase to my premium.

I wanted to add my father to my car insurance policy as a secondary driver so that he could drive it in emergencies.

When I went to update my policy online, adding him as a driver projected a significant discount on my premium.

I’m a relatively new driver, having had my G2 for just a year, and my dad has been driving for decades. The only thing I could see causing the lower premium is that from the insurer’s point of view, any time my dad would be behind the wheel instead of me would be lower risk for them.

Is this projected discount legit, or did I make a mistake in updating my policy somehow?

submitted by /u/chronobartuc
[link] [comments]

Powered by WPeMatico