Family car insurance

Car insurance is not just for individual named drivers. It can also be a family thing, and this can be done in one of two ways.


A family member can be added as a ‘named driver’ on an existing car insurance policy. Once this has been done, the named driver enjoys the same level of insurance cover when driving the car as the main driver. So if you get in touch with your insurance provider, and add a named driver, who then has an accident when driving your car, they can have the peace of mind that they are covered too. Be careful however, as any additional named drivers must not be the main user of the car. The main driver should be the person who drives the car most often.


If you have Driving Other Cars (DOC) cover on your policy then you may have third party cover on other vehicles in the event of an accident. If you don’t have DOC cover or don’t add family members as a named driver onto your policy then they cannot use your car, and vice versa.


Alternatively, two or more members of your family can be covered for driving different cars under the same policy. This is known as a multi-car policy.


Customers that compare car insurance with us are able to get quote for their car and the benefits of adding named drivers are available. There is the added benefit that you can spread the cost throughout the year rather than having to pay for 2 insurance policies in 1 go.

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Family health insurance

Illness can be a distressing time, whether it’s you or a member of your family who is unwell. In many ways, the National Health Service (NHS) provides excellent care. However, many people have come to realise the benefits of taking out their own health insurance, particularly when it comes to avoiding waiting lists when non-emergency treatment is required.

Private health insurance (also known as private medical insurance) allows you to be treated by a private practitioner when you require treatment for an illness or injury. The costs of the treatment will be met by your insurance provider as long as you pay any excesses and keep up with your premiums.

When comparing different health insurance policies, there is so much to consider, besides the price. For example:

• A policy may limit the amount you can claim for certain conditions

• There may be restrictions on which hospitals you can go to for treatment

• Some policies allow for more specialist treatment, such as cosmetic surgery.


You can take out health insurance just to cover yourself, or alternatively you can opt to cover your entire family, giving you added peace of mind. The premium you pay will depend on the policy options you choose, the ages of the insured family members, their state of health, whether they smoke etc.

If you take out family health insurance, you can rest assured that your family will not need to go on to NHS waiting lists. Fees for diagnosis, consultations, in-patient treatment and out-patient treatment can vary from policy to policy so make sure you check your level of cover before you buy the policy. As listed above, there may be restrictions on the level of cover for certain conditions and on which hospitals you can visit. Something else you might think is particularly important is whether the policy covers the costs of you staying in hospital with your child should they require treatment, so make sure you check this as well. Check also that all members of your family are of the right age to be accepted under the policy.

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