What is any driver car insurance?

Wouldn’t life be so much easier if anyone could drive your car? Especially if you have a revolving door of family and friends that come to stay. Sadly, your insurance provider has very different ideas. To them, letting anyone drive your car is the equivalent of advertising a house party on social media – it’s simply too much of a free-for-all. So, is any driver car insurance  really the answer?

Frequently thought questions

What is any driver insurance?

It’s pretty much what it says: it’s insurance that lets anyone drive your car with your permission. The premiums on these types of policies can be very expensive, mainly because the insurance provider can’t be sure who’s driving the car at any given time. 

Who might need insurance to drive any car?

Any driver car insurance is useful and worth the expense in some circumstances – usually in commercial contexts, such as fleet vehicles or driving schools.

For example, if you own a business with delivery vehicles, it’s more efficient to have an any driver policy, rather than spend time sorting cover for every new employee. Similarly, rather than fuss around with multiple policies, driving schools will usually have a blanket any driver policy for anyone 17 or over, allowing new students to get behind the wheel immediately.

What are the alternatives to any driver car insurance?

Although a ‘drive any car insurance policy’ would make life easier, the reality is, most of us won’t really need it. A practical (and more economical) option is to add named drivers to your policy instead.

Most insurance providers will let you add up to four additional drivers to your policy – this could be your partner or a child that’s passed their driving test. If someone is added as a named driver, it means they’ll be able to drive your car occasionally.

The main driver on a policy must be the person that drives the car most of the time; named drivers should only be using the car now and again. If someone’s been added as a named driver to reduce their insurance premium but they actually drive the car most often, this is known as ‘fronting’, which is against the law.

 

Is adding a named driver expensive?

It can be, but it depends on who the named driver is. Insurance is all about calculating risk, and the riskier something appears to be, the more expensive the policy. For example, expensive high-performance cars will generally cost more to insure because they’re desirable and, therefore, at greater risk of being stolen.

The same rule applies to named drivers. So, if your son or daughter has just passed their driving test and you add them to your policy as a named driver – your premium may well increase. That’s because not only have you added a second driver (potentially increasing the risk of an incident occurring), but the added driver is also young and inexperienced.

However, it works both ways. If you’re a young and inexperienced driver and add on an older driver with a good driving history, such as mum or dad, then you could lower the cost of your insurance.

What alternatives are there to adding a named driver?

You could also consider a short-term or temporary car insurance policy, which gives another driver their own insurance to drive your car. It’s a good solution if someone needs to drive your car for a while, for example if your son or daughter is back from university for the holidays.

I have comprehensive car insurance. Can I drive any other car? 

DOC or ‘driving other cars’ isn’t an automatic right, even if you have a comprehensive policy. It’s something that varies between insurance providers, so make sure you read your certificate of insurance – or contact your insurance provider – before you jump into someone else’s car (with their permission, of course). If your insurance does cover you for DOC, you’ll need to check what level of cover you have, although it is usually just third party only cover.

How can I find a policy to suit me?

Not sure where to start or what to look for, then don’t worry. We’re here to help. We can guide you when it comes to choosing the right type of car insurance for you as well as give you tips on how you could reduce the cost of it

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