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Why do I have to declare my young son or daughter under my motor policy if my policy extends to include Any Authorised Driver?

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Why do I have to declare my young son or daughter under my motor policy if my policy extends to include Any Authorised Driver?

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The Any Authorised Driver extension wording states that damage to the insured vehicle is excluded for unnamed drivers under 25 years of age. In addition, because younger more inexperienced drivers tend to have more accidents, we need to reassess the insurance provided.

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