Named driver car insurance

That depends on what type of policy you choose. If you have comprehensive insurance, your named driver will almost always have  comprehensive cover, too. Check the policy details to make sure you have the level of cover that you both need.

Your  no claims bonus should still build up as normal, providing neither of you have an accident.  

But if you or 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 may need to pay out.  

Policies rarely allow your named driver to build up a no-claims bonus of their own. This is worth bearing in mind if you’re adding a  young driver  to your insurance, as 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 to take up a policy with them, based on their driving history in your car.

Adding someone to your car insurance is quite straightforward. If you have an existing car insurance policy, you’ll need to contact your insurance provider and give them the details of the additional driver – including their name, date of birth and occupation. You’ll also need to provide details of any driving convictions and accidents they’ve been involved in.  

If you’re taking out a new car insurance policy, you can add the named driver from the start. 

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, car insurance fronting is fraud and you could be prosecuted – so don’t risk it.

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.

If you only want to add a named driver temporarily, for example, for a weekend away or a holiday, it might be cheaper to get short-term car insurance rather than amending your own policy.

Depending on the insurance provider you choose, cover can range from just one hour.

We independently compare named driver car insurance deals from a wide range of trusted UK 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.