A regular driver sometimes called the main or primary driver is the person who drives the insured car most often in a typical month. It is a practical description of everyday use, not a statement about who paid for the vehicle or whose name appears on its registration documents.
For example, you may own the car and pay the premium while your spouse uses it for the daily commute. In that case, your spouse is likely to be the regular driver. The same principle may apply when a parent owns a car that a child uses most days at university.
Regular driver
Vehicle owner
Policyholder
What this all means
Think about a normal month rather than a single trip or an unusual week. Consider who usually drives the vehicle for work, school or university, shopping, family responsibilities and social trips. The regular driver is generally the person with the most consistent and frequent use.
If two people share the car almost equally, explain the arrangement to Miway instead of guessing. Miway can confirm what information should be recorded and whether any additional driver details or policy conditions apply.
Useful questions include:
An insurance premium reflects the risk being covered, and the regular driver forms part of that assessment. Depending on the product and circumstances, factors can include driving experience, claims history, vehicle use and parking, and security or theft-risk information.
The correct regular-driver details help Miway calculate the policy on the right information. Although cheaper car insurance may be attractive, naming someone who rarely drives the car simply to try to obtain a lower premium can amount to a material misrepresentation and may create problems at claim stage.
Yes, an occasional driver may use the car if the policy conditions are met. Miway’s current public guidance says the driver should have a valid driver’s licence and your permission to use the vehicle. Depending on the policy, driver and circumstances, an additional excess or other conditions may apply.
Tell Miway when a lasting change affects who drives the car most often.
Common examples include:
• your spouse or partner takes over the daily commute;
• your child takes the car to university and uses it most days;
• a change in job or working arrangements changes who uses the car;
• the regular driver moves house or the overnight parking address changes;
• a learner or newly licensed driver begins using the car regularly;
• the car’s use changes from private driving to business or e-hailing use.
You can review and manage policy information through the Miway Self-service portal or the Miway App. If you are unsure whether a change is temporary or needs to be recorded, contact Miway before the next trip.
When a claim is assessed, Miway may confirm who was driving, whether that person had permission and the required licence, how the vehicle was being used, and whether the policy information was accurate. A different driver at the time of an accident does not automatically mean there is no cover, but the policy terms and circumstances still apply.
You own the car, but your partner drives it daily
Your child takes the family car to university
A friend borrows the car for one weekend
Two people share the car almost equally
• Check the regular driver shown on your policy coversheet or schedule.
• Compare it with who actually drives the car most often in a typical month.
• Confirm that the vehicle’s use, daytime location and overnight parking details are still correct.
• Update Miway if the regular driver or the way the vehicle is used has changed.
• Before allowing another person to drive, check the licence, permission and applicable policy conditions.
Need cover? Get a Miway car insurance quote. Already insured? Sign in to Self-service to review your policy details.
The regular driver is the person who drives the insured vehicle most often during a typical month. This can be different from the owner or policyholder.
Yes. One person may own and insure the vehicle while another person drives it most often. Both roles must be disclosed accurately.
Yes, provided the policy conditions are met. Miway’s public guidance says the driver should have a valid driver’s licence and your permission. An additional excess or other conditions may apply, so check your policy.
Your spouse should generally be recorded as the regular driver if they use the car most often, even if you own the vehicle or pay the premium.
It can. The regular driver’s risk profile forms part of the underwriting assessment, together with factors such as the vehicle, its use, parking location and security information.
Update Miway when a lasting change means someone else now drives the car most often. Do not wait until claim stage to correct the information.
Tell Miway if a learner regularly uses the vehicle. The learner must comply with South African licensing rules and any policy conditions, including supervision requirements. Miway can confirm how the driver should be recorded and whether an additional excess applies.
Miway may need to reassess the risk and the claim. Depending on the facts and policy wording, the claim could be delayed, an additional excess could apply, or the claim could be affected if important information was misrepresented or withheld.
If your child keeps and uses the car most often, contact Miway to update the regular driver, vehicle use and parking details. Occasional holiday use may be treated differently, so explain the actual arrangement.
Yes. Private, business and e-hailing use can carry different risks and may require different cover. Tell Miway before the use changes and review the relevant e-hailing insurance information.
