Additional (Named) Driver Insurance

Monday, 06 June 2016

 

We know it’s handy to have someone else insured to drive your vehicle, and that’s why we’ve made it easy to add a named driver to your insurance policy.

By adding a named driver to your car insurance - whether that’s your spouse, a family member or a friend - you’ll benefit from flexibility. Whether you require a lift to an appointment, or your other half needs to pop to the supermarket, it’s a great way to ensure all drivers are covered by our insurance policy.

Adding an additional driver may save you money to. Depending on individual risk profiles, named drivers may reduce the cost of your insurance because the driving will be shared, which can reduce the risk of accidents. However, younger drivers aged 25 or under will likely increase your premium if added as a named driver on your policy.

Remember that even if a driver has comprehensive cover for their own vehicle, that doesn’t always mean they’ll be insured on yours. By adding them as a named driver, you ensure most eventualities are covered.

How to add a named driver to your policy

Adding a driver

If you already have an insurance policy with us, simply give us a call to add an additional named driver to your car insurance or you log into your online account. You’ll need to provide information such as their:

  • Name
  • Age
  • Address
  • Occupation
  • Details of any motoring convictions
  • Claims history

If you are adding a driver to your existing insurance, we may need to charge a small admin fee. Alternatively you can log into your online account and make the amends yourself, free of charge. 

Tips for adding a named driver

If you’re considering adding a named driver to your car insurance policy, it’s important to know the facts. Here are our top tips.

  1. To stay within the law, always be truthful about your main driver and named driver. If the primary car user is listed as a named driver only, this can invalidate your insurance. This is known as ‘fronting’, and is illegal.
  2. Bear in mind that named drivers won’t gain a no-claims discount - this perk is reserved for the main driver only.
  3. Always get permission from the driver before adding their name to your insurance policy.

What happens if a named driver is in an accident?

If a named driver is involved in an accident, you will need to follow the normal claims process - so make sure you notify the claims team within 48 hours. The main driver’s no claims bonus may be affected, even if they were not involved in the accident.

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