No, named drivers do not need their own insurance if you're adding them to your existing policy. However, if the named driver has their own car, then they will need their own insurance for that vehicle. You can still be a named driver on someone else's policy even if you're the main driver on your own policy.
Does being a named driver affect my own insurance?
Does being a named driver affect my own insurance? Being a named driver shouldn't impact your own policy. If you're involved in an accident that was your fault, you usually claim on the policyholder's policy. They might see their insurance costs rise as their no-claims bonus could be hit.
What information you'll need to add a named driver. The details tend to be basic when adding a named driver, they will typically include; name, age marital status, address, occupation, driving licence details and information about any accidents or motoring convictions.
What insurance allows me to drive other people's cars?
Car insurance to drive other cars (DOC) cover used to be a common feature of comprehensive insurance policies. Nowadays it's generally not included in most policies. It is possible to get comprehensive DOC cover, but it's rare. DOC is usually not an option at all on third-party or third-party, fire and theft policies.
While named driver insurance can have benefits for both parties, the policyholder is more at risk. This is because is the named driver on your policy crashes the car, it will be under your name. So, if you have built up a no claims history of five years, and your named driver crashes, you will lose it if you claim.
Who Needs To Be Added As A Driver On My Car Insurance?
What happens if you crash as a named driver?
If a named driver has an accident, the main driver or policyholder will need to make a claim on the policy and this will affect their no claims discount. If a named driver on your policy has an accident the claim will be against your policy even if you are nowhere near the car or accident itself.
Adding a named driver to your policy won't affect your no claims bonus - unless they have an accident. If they do, it's you who'll need to claim as you're the main driver. You are fully liable for the claim, even if it's the named driver who is in the accident. So, it's your no claims bonus at risk here.
Can someone else get insured on my car? Yes, someone else can take out insurance to drive your car without being the owner or registered keeper. However, many insurers will only allow those with a defined relationship with you to take out a separate policy on your car.
But more experienced drivers tend to have more natural caution and experience. According to our data, having 1 extra driver on your policy costs £560, on average. And adding 4 extra drivers costs £996, on average*.
As a named driver you will be given the same level of cover as the vehicle's main driver. Named driver policies are only appropriate if the named driver is not the main driver (main user) or the owner of the vehicle. Named drivers should be careful to avoid 'fronting', a form of insurance fraud.
Despite how it might sound, adding a named driver (a second driver) to your car insurance policy won't automatically mean you'll be paying more for your insurance - it's not like paying for “double the cover”- but it could land you with a lower premium. It really does depend on your circumstances.
Technically, yes, you can—at least, as long as you're covered by insurance. If you're going to be learning regularly in their car, then you should look at getting added as a named driver on their policy. Alternatively, short-term cover might be more cost-effective.
Named drivers can't usually build up a no claims discount, although they can accumulate their own if they're insured as the main driver on their own car. Some insurance providers may give a named driver a discount – provided they take out their own policy at a later date.
The main and named driver have the same level of cover on the car. But a named driver could be the main driver on another vehicle. You can be the main driver of more than one car. But insurance companies will often question it… to check for fronting.
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.
Any named driver can use your vehicle occasionally. That means they shouldn't be the permanent driver, nor should they be regularly using the vehicle, for example for driving to work. If someone is named as an additional driver but in fact has main use of the car, this is called fronting, which is illegal.
For young and inexperienced drivers, being a named driver can make things a bit cheaper with some insurers, but it's not always the best arrangement. Getting a policy of their own may cost them a little more than being a named driver on someone else's policy.
The car must belong to one of your parents and they must be the main driver for the insurance policy to legally be in their name. If you own the car and you are the main driver, you're breaking the law if the policy is not in your own name - this is called called "fronting".
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 named driver should also be covered for any extras you add to your policy, for example: Breakdown cover.
It is completely legal and not that uncommon for two drivers to insure the same vehicle with their own individual cover. This is definitely something to consider if one driver has a bad credit score or if each driver wishes to remain with their own insurance carriers.
What happens to my no claims if I become a named driver?
Named drivers can't usually build up a no claims discount, although they can accumulate their own if they're insured as the main driver on their own car. Some insurance providers may give a named driver a discount – provided they take out their own policy at a later date.
Can named drivers build a no-claims bonus? If you are a named driver of a car, not the main driver, you usually won't be able to build up a no-claims discount. However, if you then go on to take out your own policy with the same insurer, you may benefit from a discount.
Can I add someone to my car insurance that doesn t live with me?
If someone asks you whether they can be added, you might wonder whether or not they need to live at your address. The answer here is no, it's perfectly possible to add a named driver who lives at a different address to you.
tell your insurer about the accident straightaway, even if you don't want to make a claim. if someone is injured, show your insurance certificate or cover note to the police.
