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There are any number of reasons you might want to add a named driver to your car insurance. Maybe your son or daughter is learning to drive? Perhaps your friend or partner needs to use your car occasionally? Whatever the reason, it’s good to know that other people can use your car – and should anything happen, you’ll be covered.
Named driver – or, as it’s sometimes called, additional driver – insurance, refers to the cover someone gets when they’re added to your policy. It means you’ve told your insurance provider that someone other than you might drive your car.
That depends on what kind of policy you have. If you have comprehensive insurance, your named driver will almost always have comprehensive cover. Check the policy details to make sure you’ve got the level of cover that you and the named driver need.
Your no claims bonus will still build up as normal. So, if neither of you have an accident, you’ll still be on track for your discount. But if your named driver has an accident, it’s likely to affect your bonus. That’s because, regardless of who’s driving, you’ll be making a claim and your insurance provider will need to pay out. Few policies allow your named driver to build up a no-claims bonus. This is worth bearing in mind if you’re adding a young driver to your policy, as it means they won’t receive a no-claims discount until they take out a policy in their own name. However, your insurance provider may offer the young person a discount based on their driving history in your car, if the young person takes out a policy with them.
If you’re a student, or a young driver or inexperienced driver, insurance providers consider you high risk, which will be reflected in the price of your premium. But if you share your car with an experienced driver, you could reduce the cost of your premium by adding that driver to your policy. This is because you’ll be spending less time driving the car, which means your chances of having an accident and making a claim are reduced. That could mean cheaper insurance. But if you’re keen to have your own insurance, there are options. You could consider a telematics policy, also known as a black box policy, which monitors your driving and could reward you with lower premiums if you drive safely.
Fronting is when someone claims to be the car’s main driver, but someone else is using it more often. Often a more experienced driver (usually a parent) falsely insures the car in their own name, but a younger, less experienced driver (their child) is actually the main driver. If you give your insurance provider false information to reduce the cost of your premiums, your policy could be invalidated. What’s more, fronting is insurance fraud and you could be prosecuted – so don’t do it.
It’s easy. Just make sure the person who drives the car most is named as the main driver on the policy. If it’s genuinely a 50/50 split, talk to your insurance provider.
We independently compare named driver car insurance deals from more than 90 of the UK’s most trusted car insurance providers. We’ll show you policies based on price, level of cover, add-ons or payment terms, helping you compare policies based on your needs.
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