What is any driver car insurance?

Wouldn’t life be easier if anyone could drive your car? Especially if you have a revolving door of friends and family who come to stay. If that’s the case, you may need any driver car insurance. 

Wouldn’t life be easier if anyone could drive your car? Especially if you have a revolving door of friends and family who come to stay. If that’s the case, you may need any driver car insurance. 

Daniel Hutson
From the Motor team
5
minute read
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Posted 21 SEPTEMBER 2021

What is any-driver insurance?

Any-driver insurance allows anyone to drive your car (with your permission). The downside is that it can be expensive, as your insurance provider can’t be sure who’s driving the car at any given time.

Does any-driver car insurance cover all drivers?

Not all motorists are eligible for cover on an any-driver insurance policy. For example, providers might ask that drivers are over a certain age – for example, 25. If you want to arrange any driver cover for younger drivers, you should expect to pay significantly more.

Who might need insurance to drive any car?

Any-driver car insurance is sometimes worth the expense, such as when it’s used for business purposes – for example, with fleet vehicles or driving schools.

If you own a business with delivery vehicles, it’s more efficient to have an any-driver policy than to 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 aged 17 or over.

Please note that you can’t compare any-driver car insurance with us, but there are some alternatives that you might want to consider.

What are the alternatives to any driver car insurance?

Although an any-driver insurance policy would make life easier, the reality is that most of us won’t need it. A more practical (and economical) solution is to add named drivers to your policy.

Most insurance providers will let you add up to five named drivers to your policy. These could include your partner, or a son, daughter or relative who has recently learned to drive, for example. If someone is added as a named driver, it means they can occasionally use your car.

The main driver on a policy must be the person who drives the car most. Named drivers should not be the main drivers of the vehicle. If someone’s been added as a named driver to get a cheaper policy but is actually the car’s main driver, this is known as car insurance fronting, which is against the law. 

Is adding a named driver expensive?

has just passed their driving test and you add them as a named driver, your premium may well increase.

That’s because you’ve added a young and inexperienced driver, who poses a greater risk. Research shows that young drivers are disproportionately involved in collisions, with drivers aged between 17 and 24 involved in more than five times more road collisions than 66-70 year olds, despite driving fewer miles than the average.

However, it works both ways. If you’re a young and inexperienced driver, then adding an older person with a good driving history, such as a parent, could lower the cost of your premium.

I want to lend my car to friends for the weekend – what are my options?

If you don’t have any-driver car insurance and don’t want to add somebody as a named driver to your policy, you could consider a short-term or temporary insurance policy. This gives another driver their own insurance to drive your car. It’s a good solution if someone needs to drive your car for a short while – say, if you have friends staying over, or you have a child 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. Some insurance providers will let you while others won’t – so you’ll need to check your policy or call your insurance provider before you jump into someone else’s car.

If your policy covers you for DOC, check what level of cover you have – it’s unlikely to be anything other than third-party cover.

How can I find a policy to suit me? 

Not sure where to start or what to look for? Don’t worry. We’re here to help. We can help you choose the right type of car insurance for you and give you tips on how to reduce car insurance costs.

Frequently asked questions

What are the benefits of any-driver car insurance?

Any-driver car insurance is perfect if your car doesn’t have a ‘main driver’. If other drivers take up just as much, or more time, behind the wheel than the owner, you can be confident that everyone’s legally covered.

I’m a young driver, can I arrange any-driver insurance for my car?

Young drivers trying to arrange any-driver insurance for their car might struggle to find an affordable deal. Even if you find a provider who’s willing to cover your friends and family, the premium will probably be very expensive.

How can I get cheaper any-driver car insurance?

Any-driver car insurance can be expensive. If you want to get a cheaper car insurance deal you can follow the usual tips and tricks, like paying in one go or increasing your excess, but premiums are still likely to be higher.

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