Car Insurance Joint Policies |

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No such thing as a joint policy

You might have heard the term ‘joint policy’ bandied about. It’s actually a bit of a myth – there is no such thing as a special ‘joint policy’. You could consider any driver car insurance, although the premiums on these types of policies are expensive. Alternatively, you can add multiple named drivers to a single car insurance policy. But they must all drive the car for the policy to be valid.

car insurance joint policy
save money by adding driver

Get a better deal by sharing the car

Add an experienced driver

It may seem odd that the more drivers on the policy the cheaper it is. But this can be true. If you’re a young, old or inexperienced driver you can be considered a higher risk for insurers. But if you can share your car with an experienced driver, you could reduce the cost of your premium by adding them to your policy. As long as they have no previous claims or convictions.

The insurer takes both drivers’ information into consideration and creates a price based on each of you sharing the car, and therefore the more inexperienced person driving less.

Car matters

Remember that the car you’re getting insured on also affects the cost of your policy. If your dad owns a Ferrari for instance, it may be cheaper to share your car and have him as a named driver on your modest hatchback, than for you to use and get insured on his beast of a machine.

red toy sports car

5 people you could team up with

  • Your mum
  • Your dad
  • A partner
  • A friend
  • A tortoise*
*Added for comedic effect

Fronting. A big no-no.

Fronting is getting someone more experienced than yourself to be named as the main driver on your vehicle, even though you are the one doing most of the driving. If you’re found doing this, your policy could be invalid and you could be in a heap of trouble.

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