How To Add a Named Driver To Your Car Insurance

Why You Might Need to Add a Named Driver

Adding a named driver to your car insurance policy can be beneficial for a variety of reasons. Firstly, if you have a young, inexperienced driver in your household, such as a new driver or a student, adding them as a named driver on your policy can help reduce your premium. This is because they are covered by your policy and the policy benefits from your years of experience as a driver.

In addition, if you are the main driver of the car but someone else in the household uses it occasionally, such as a partner or a child, then adding them as a named driver can be useful. This ensures they are covered by the policy and that they can drive the car without breaking the law.

The Benefits of Adding Named Drivers

Adding a named driver to your insurance policy can help save you money in the long run, as the premium for a policy with a named driver is generally considerably cheaper than a policy for just one driver. This is because the insurer takes into consideration the years of experience of the named driver, which can help lower the risk of making a claim.

In addition, the named driver can benefit from the policy too. If they need to drive your car but do not have their own insurance, then they are covered by your policy. This means that if they are involved in an accident, then you, as the policy holder, are liable for the costs.

How to Add a Named Driver

The process of adding a named driver to your car insurance policy is relatively straightforward. Firstly, you will need to contact your insurer and provide them with the necessary details of the person you want to add to the policy. This will include their full name, date of birth, address and driving licence number. You will also need to provide details of the car they will be driving, such as the make, model and registration number.

Once you have provided this information, the insurer will then be able to update your policy and add the named driver. You will then need to pay any additional premium that may be due. This can vary from insurer to insurer, so it is important to check with them before going ahead.

Things to Consider When Adding a Named Driver

Before you add a named driver to your policy, there are a few things you should consider. Firstly, you need to make sure that the named driver is a responsible driver with a good record. If they have any points on their licence, or have been involved in any accidents, then this could affect the cost of your premium.

You also need to decide who will be the main driver of the car. If you are the main driver, but you list the named driver as the main driver, then this could be considered insurance fraud. This is because the named driver may not be the one who is using the car the most, and therefore their experience as a driver may not be taken into account when calculating the premium.

What Happens if the Named Driver Has an Accident?

If the named driver is involved in an accident while driving your car, then the policy will still be valid and the costs of the accident will be covered. However, it is important to remember that if the named driver is at fault for the accident, then it is likely that the insurer will increase your premium at the next renewal.

It is also important to consider the costs of any claims the named driver may make. If they make a claim, then it is likely that your no claims bonus will be affected. This means that it is important to make sure the named driver is a responsible driver with a good record, as this will reduce the risk of any claims being made on the policy.

Conclusion

Adding a named driver to your car insurance policy can be beneficial for a variety of reasons. It can help reduce your premium by taking advantage of the experience of the named driver, and it can also provide cover if the named driver needs to use your car but does not have their own insurance.

However, there are some things you need to consider before adding a named driver. You need to make sure the named driver is a responsible driver with a good record, and you need to ensure that the named driver is not listed as the main driver if you are the one who uses the car the most.

Finally, it is important to remember that if the named driver is at fault for an accident, then it is likely that your premium will be increased at the next renewal. Therefore, it is important to make sure the named driver is a responsible driver with a good record to reduce the risk of any claims being made on the policy.