Who’s insured to drive my car?
The answer is – it depends on your policy. If you’re the sole named driver on your car insurance, then the only person allowed to drive your vehicle; is you. However, you can add named drivers to your policy – these are additional drivers who may use your car occasionally. If you add a named driver, then they will have the same level of cover as you do but they could have a different excess if they’re a young or inexperienced driver.
When you add a named driver, your insurance provider will ask you all the usual questions – such as their age, occupation and whether they’ve been involved in any accidents in the past. Needless to say, it’s really important to be honest because if you’re not, then you could invalidate your entire policy – and that’s not good.
You can also temporarily add someone to your insurance policy. This will provide cover for a named driver for a short, agreed period of time. For example if your student son or daughter comes back home for the holidays and wants to borrow the family car (good luck). They’ll have the same level of cover but could have a higher excess – best to check with your insurance provider.
Bottom line – if someone’s name isn’t down on the Certificate of Insurance; they won’t be able to drive your car.