condutor habitual
Published 4 November 2026, 03:07
condutor habitual (main driver)
The person who actually drives the car more than anyone else. The price of the policy is based on them: their age, driving experience and insurance record. The law does not forbid driving someone else's car, but it assumes that the owner is usually at the wheel; if not, a second driver is added to the policy.
Where you come across it. A car registered to a relative; a spouse who drives more often; a young driver in the family.
Putting the car in the name of someone with many years' driving experience to make the policy cheaper is a well-known way to save money, and a well-known way to end up without a payout: after a serious accident the insurer can cite false information and refuse to pay.
Official website: consumidor.asf.com.pt/seguro-autom%C3%B3vel-1