Other Household Members

[nyc2phi]

When you are doing your frontline underwriting how often are you asking about other household members?

If they have their own insurance are you listing them anyway and letting the carrier know who they are insured with?

I know this is the right way and it's what I've always done but I keep getting push back from customers and keep losing policies when I ask for their roommates information. Lost one this week because she didn't want to give me her parents information because they had their own insurance but lived with her.

What are your common practices here?

 

[insurance1822]

Only time I push this is when it's 1 driver with 2 cars with full coverage (and their career / situation doesn't support it.) you can sniff out the scum bags.

If the other members have insurance then I don't bother...no point in mucking your sale. If carriers follow up then I'll obviously get the info. You should be able to just tell when there's a situation where that person should be added.

You'll notice that bs fades away when you're focusing on a certain demographic. Many times the last name alone will start raising red flags ..

 

[CaptiveGuy]

Most times the names, birthdates, and license numbers of the household members come up on the pre-fill when starting a quote. I just add everyone make them a non-driver or excluded.

I always ask but as Insurance1822 said, you can tell who the bums are. If you they live in a low rent neighborhood with 2 cars and hear someone yelling in the background while during the quote you know what's up ha.

 

[indienoise]

Always ask, don't push the issue unless other household members come up on reports. If I suspect I'm not getting the whole truth, but it's only one vehicle, I will always notify them that if a vehicle is involved in an incident with a non-listed driver, it could jeopardize their coverage, and leave it at that.

2 or even 3 cars and one driver, that's a red flag. Guess it's up to you how pushy to be.