A simples guide

Making the most of named driver insurance

There are any number of reasons you might want to add a named driver to your insurance policy. Maybe your son or daughter is just learning to drive? Perhaps your partner needs to use a bigger car occasionally? Either way, it’s nice to know that they can use your car when they need to and that you’ll be covered should anything happen. 


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What is named driver insurance?

Named Driver Insurance refers to the type of cover someone gets when they are added to your policy as an additional driver. It means that you’ve disclosed that someone, other than you, may occasionally drive your car. It’s important that you, or the main driver disclosed on the insurance, is the person who uses the car most frequently.

If in fact the Named Driver is really the one using the car the most, it maybe be considered to be ‘Fronting’, which is a serious type of insurance fraud- we’ll explain this in more detail below. 

What kind of cover would the named driver get?

That is entirely dependent on what kind of policy the main driver has. If you have a comprehensive policy, then your named driver will almost always have comprehensive cover too. Always check the details of your policy closely to make sure you’ve got the right level of cover you need. If you find that your policy doesn’t protect the named driver very well, you can compare car insurance now and make sure you’ve got the most relevant cover for you and your named driver(s). 

How does my 'no claims bonus' work with an added named driver?

Your no claims bonus will still accrue as normal, whether you add a named driver or not. That means that if neither you or your named driver have an accident, your no claims bonus will continue to build.

If you add an experienced named driver, it could help to reduce your premium. However, you need to know that if your named driver has an accident, it is likely to affect your no claims bonus. That’s because, regardless of who’s driving, you’ll need to claim against your policy meaning that the insurers may need to cough up.

It’s also worth bearing in mind that very few policies allow your named driver to build up any no claims bonus. So while your additional driver is using your car, they’re unlikely to gain any of their own no claims bonus. This is worth considering if you’re thinking of adding new or young drivers to your policy as they may not gain any no claims discount until they take out their own policy. Although it may be possible that your insurer may offer some form of discount based on their driving history on your car if they take out a policy with them.


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What is 'fronting'?

‘Fronting’ is a kind of insurance fraud. It refers to the practice of adding named drivers to a policy who are actually the main user of the car. In the past, this may have been seen as a way to reduce insurance premiums for new, inexperienced or young drivers. That’s because the main driver listed on the policy would be a more experienced driver (like mum, dad or partner) and therefore their insurance premiums are likely to be lower.

When insurers provide a quote for you car insurance, they make certain assumptions based on the details you provide. So if you’ve listed yourself as the main driver, they’d be right to assume that you’d be using the car the most. They would then calculate how likely you are to have an accident and provide a quote based on that assumption. But if in fact your named driver is using the car more often that calculation is untrue and the price they have provided isn’t a fair reflection of how much it should cost to cover your car and the drivers.

If you’re found providing incorrect details to your insurer in order to reduce the cost of your insurance premiums, your insurance will be invalidated. What’s more, as ‘fronting’ is a type of insurance fraud, you could actually be prosecuted. 


How can I be sure I'm not 'fronting'?

That is fairly easy. Just make sure the person who drives the car most is the named on the policy as the main driver. If it is genuinely a 50/50 split of the use, then it could be a good idea to have the registered owner listed as the main driver. 

So, how can you make sure to get the best rates on named driver insurance?

When you compare car insurance with us, we take details of all the drivers you’d like on your policy so you can make sure that you’re getting the right level of cover for everyone who is likely to use your car. Compare quotes now and make sure you’re getting the best deal on your car insurance.