Adding Named Drivers
Named Driver Basics
No. The point is that named drivers are added to an existing policy.
Can I drive someone else’s car as a named driver? No. Being a named driver only allows you to drive the specific car covered under that policy. To drive another car, you need to become a named driver on the owner’s policy.
Does being a named driver affect my own insurance? No. Appearing as a named driver does not impact your own policy. However, if you have an accident in the car where you are a named driver, the claim will affect the main driver’s no claims bonus.
What happens if the named driver has an accident? The main driver must make the claim. This will then impact their no claims bonus, even if they were not driving at the time.
Do you get a no claims bonus as a named driver? No. Only the main driver earns the no claims bonus.
Is car insurance cheaper with a named driver? Sometimes. Adding an experienced driver with a good record can lower premiums.
How much does adding a named driver cost? Adding during renewal is usually cheaper. Mid-term adjustments may have a £15-£30 admin fee.
Can I insure a car but not be the main driver? You can insure a car you don’t own. But some insurers may only cover you as the main driver if you’re the registered keeper.
What is the difference between named insured and named driver?
Named insureds can drive any car, including rental cars, and their own insurance will cover the damages if they get into an accident. An additional driver is a person who resides with the named insured and/or regularly uses a shared vehicle.
Who is an insured person? Named insureds benefit fully from auto insurance coverage. They can make changes to policies, add or remove cars, listed drivers, make claims and even cancel policies.
How do I add a named driver to my policy? Adding a named driver to your policy can be a relatively simple process.
Comparing Named Driver and Any Driver Auto Insurance
What is the difference between named driver and any driver auto insurance?
- Named driver auto insurance policies include the names of drivers who can use the car and will be covered in the event of an accident.
- Any driver auto insurance lets anyone with permission use a vehicle but is typically more expensive.
Is named driver fully comp? If you have comprehensive insurance, your named driver will almost always have comprehensive cover too.
Can anyone be a named driver?
Why Choose Any Driver Car Insurance? Any driver insurance is useful for small businesses that require several employees to share a vehicle.
Unlisted Drivers and Insurance Implications
What happens if the driver is not listed on insurance? If the driver is not listed on insurance, there can be legal consequences. Insurance companies verify drivers to ensure they are properly listed on policies. When applying for insurance, companies request info on all drivers to assess risk and provide coverage.
Generally, insurance will only cover the person listed on the car’s title. It is illegal for someone to declare themselves as the main driver if someone else primarily drives the car.
If an insured driver lets someone borrow their car and that person gets in an accident, the insurance would likely cover it, unless the driver was unlicensed, impaired, etc. Permission to drive the vehicle matters.
If someone else has an accident in your insured car, the vehicle itself is typically covered by your insurance since policies cover cars more than drivers. Any insured driver would be covered driving your car unless explicitly excluded.
If the at-fault driver has no insurance, you must pay damages yourself unless you have uninsured motorist coverage. Driving without insurance can lead to fines, penalties and license suspension.
Once a new teen driver can drive solo, they need to be added to your policy. If they live with an ex full-time, you may not need to list them, but if they split time between homes they should be listed.
You should understand your insurer’s rules on which drivers must be listed to avoid problems. List everyone who may drive your car so they’re covered.