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What is any driver car insurance?

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. 

Daniel Hutson
From the Motor team
minute read
posted 31 OCTOBER 2019

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. 

Who might need insurance to drive any car?

Any driver car insurance is sometimes worth the expense – usually for business purposes, such as fleet vehicles or driving schools.  

If you own a business with delivery vehicles, it’s more efficient to have an any driver policy 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 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 be a partner, or a son or daughter who’s recently learned to drive. 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 only be using it now and again. 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?

It can be, but that depends who the named driver is. If your son or daughter 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. According to the Association of British Insurers (ABI), drivers aged 17-19 make up 1.5% of licence holders, but are involved in 9% of fatal and serious accidents. 

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 Mum or Dad, 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 want to add them 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, or you’ve a son or daughter 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 usually only 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.

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