“Even with a low salary, should I try working as a designated driver? Starting from September, it is said that it will be possible to work as a designated driver without a lot of qualifications.”

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[Photo = Create Chat GPT],
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, ‘The relaxation of the Relax driver insurance premium system will change significantly to ensure that substitute drivers can maintain their livelihoods steadily. Drivers with no accidents will receive lower insurance premiums, and drivers with multiple accidents that previously had difficulty getting insurance coverage will now be able to sign up for insurance coverage.’,
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, ‘The Financial Supervisory Service announced on the 12th that starting from the contract for liability from next month 6th, a discount and surcharge system based on the number of accidents and relaxed insurance acceptance criteria by insurance company will be applied to the Relax driver insurance.’,
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, ‘Until now, Relax driver insurance did not have a system for charging insurance premiums taking into account accident history, which led to a problem where substitute drivers with a history of accidents were refused insurance coverage.’,
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, ‘From now on, Relax driver insurance will differentiate insurance premiums based on the number of accidents in the past 3 years and the most recent 1 year for each driver.’,
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, ‘Drivers with no accidents will receive a discount on insurance premiums according to the accident-free period (up to 3 years), while drivers with a history of multiple accidents will be subjected to differentiated surcharges based on the number of accidents.’,
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, ‘The maximum discount and surcharge range will be applied with a large discount and a low surcharge compared to personal use (-10.9∼65.5%).’,
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, ‘An accident with a fault ratio of less than 50% will minimize the surcharge range by excluding 1 accident in the past 1 year from the number of accidents and only reflecting the number of accidents in the past 3 years.’,
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, ‘In addition, accidents that are not the driver’s fault, such as self-vehicle damage due to typhoons and floods, will be excluded from the number of accidents.’,
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, ‘One point to note is that with the introduction of the discount and surcharge system, the relaxed insurance acceptance criteria for Relax driver insurance will also be relaxed. As appropriate insurance premiums based on accident history can now be charged, the relaxation of acceptance criteria will increase the opportunities for substitute drivers with a high number of accidents to sign up for insurance.’,
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, ‘For example, in the past, if there were 3 accidents within 3 years, insurance companies would reject the application. However, with the introduction of the discount and surcharge system, the threshold for rejection will be significantly relaxed to 5 or more accidents within 3 years.’,
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The National Substitute Driver Labor Union held a press conference urging the improvement of substitute driver insurance on the afternoon of July 25th in front of the Financial Supervisory Service in Yeouido, Seoul. [Photo = Yonhap News], ‘Kim Jae-min, head of the special insurance team at the Financial Supervisory Service, said, “Unlike other auto insurances, substitute driver insurance did not have a system for charging insurance premiums based on the number of accidents, so rejection of applications from multiple accident drivers was common.” He also said, “There was a problem where substitute drivers who need to maintain their livelihoods by substitute driving could not get insurance coverage, threatening their livelihoods.”‘,
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