Stewarding Matters

Stewarding your auto insurance

The policy that covers a vehicle you drive: personal, a rideshare or delivery endorsement, or commercial.

This guide goes with the Auto Insurance Recipe. Everything here is a suggestion: keep what helps, and leave the rest.

In short

  • Name it: The car policy, Insurance for the SUV.

  • Know it: who insures it, the policy number, what kind of policy it is, when it started and when it renews.

  • Connections: the insurer, your agent, the vehicles it covers, the drivers on it, your lender.

  • Contents: the declarations page, the ID card, the full policy, any claims — and where each one is.

  • Needs: the renewal, and a fresh look when life changes.

Know what you know

The Recipe asks: Who insures it? What is the policy number? It's on the declarations page or the ID card. What kind of policy is it: personal auto, a rideshare or delivery endorsement, commercial auto, or something else? When did it start? And when does it end, or renew?

Connections

  • the insurance company, and your agent if you have one

  • each vehicle it covers. Each vehicle has its own RegiFolio: see Stewarding your vehicle

  • the drivers listed on the policy

  • your lender or leasing company, which may require certain coverage while there's a loan

Contents, and where they are

What

Where it often lives

The declarations page

email, or the insurer's website

The ID card

the glove box, and on your phone

The full policy

the insurer's website

Claims

email, or a folder

Nothing has to move. Write down where each thing is.

Needs

  • The renewal. The date belongs to the policy. Record it, and come back to it as it gets close.

  • A fresh look when life changes: a new driver, a new vehicle, a move, a new way of using the car.

  • The new ID card, when it arrives. Put it where the old one was.

If you drive for a platform

Many personal auto policies don't cover the time you're driving for a rideshare or delivery platform. If you're starting, ask your insurer whether you need a rideshare or delivery endorsement or a commercial policy, and write the answer here. The platform may carry its own coverage for part of that time. Know which policy covers what, and when. See Stewarding your platform account.

Where to next