Adding a Named Driver to Your Car Insurance

What Is a Named Driver?

A named driver is someone who is added to an existing car insurance policy as an additional driver. They are "named" on the policy as a driver, but they are not the main driver or policyholder. This means that, if you have a named driver on your policy, they are covered to drive the car but you are still primarily responsible for the policy.

Adding a named driver to your car insurance can be a great way to save money, as it can often result in a lower insurance premium. This is because the named driver has their own driving history and, if they have a good record, this can make the policy cheaper.

Do You Have to Add a Named Driver to Your Policy?

No, you don't have to add a named driver to your policy. However, if you have someone in your household who regularly uses the car, it is a good idea to add them as a named driver. This will ensure that they are covered in the event of an accident. It can also help to keep your costs down, as the additional driver's record can help to reduce the cost of the policy.

It is also important to note that some insurers may refuse to insure a car if there is only one driver. In this case, it is essential to add a named driver in order to be able to insure the vehicle.

What Are the Benefits of Adding a Named Driver?

Adding a named driver to your policy can have a number of benefits. As mentioned above, it can help to reduce your insurance premiums if the named driver has a good driving record. It can also make it easier to share the responsibility of driving, as both the policyholder and the named driver are covered to use the car.

It can also be useful if you have a young driver in your household. Adding them as a named driver can help to reduce the cost of their insurance, as they will be able to benefit from your experience and driving record.

How Do You Add a Named Driver?

Adding a named driver to your car insurance policy is relatively straight forward. Most insurers will allow you to add a named driver online, although you may need to speak to your insurer directly if you want to add a young driver.

When you add a named driver, you will need to provide their details, including their name, address, date of birth and driver's license number. You will also need to provide details of their driving history, including any convictions or claims. Once you have provided this information, the insurer will be able to assess your premium and add the named driver to your policy.

Are There Any Disadvantages to Adding a Named Driver?

Although adding a named driver can have many benefits, there are also some potential disadvantages. For example, if the named driver has a poor driving record, this could result in a higher insurance premium. It is also important to remember that the named driver will be covered to drive the car, so you need to be sure that you trust them to use it responsibly.

It is also important to note that some insurers may limit the number of named drivers that can be added to a policy. If you want to add more than the allowed number of drivers, you may need to look for an insurer that offers this facility.