What is a factor that does NOT contribute to premium calculations regarding first responders?

In the context of calculating insurance premiums for first responders, one factor that does not contribute to premium calculations is the presence of unlisted drivers. Insurance companies typically focus on factors that reflect the risk associated with the primary driver, the type of vehicle, and the specific usage of that vehicle, especially when it is used in emergency response situations.

Regular driving history is significant as it assesses the driver's past behavior on the road, indicating their likelihood of getting into accidents or experiencing claims. Emergency response driving is crucial as it involves the unique risks associated with operating a vehicle under emergency conditions, which can lead to higher premiums due to the increased likelihood of accidents in such scenarios. Vehicle conditions are also a key factor, as the state and safety features of a vehicle can influence its insurability and the associated risks.

Therefore, unlisted drivers do not directly impact the premium calculation because they do not provide relevant information about the primary driver or the conditions under which the emergency vehicle is operated. Insurance assessments focus on the individual's driving record and other measurable risk factors rather than potential drivers who are not formally noted in the policy.