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Written by Michael Foote, Insurance Expert
The Basics of Any Driver Cover
An any driver policy allows more than one person to use a vehicle without being named individually. It’s commonly used by businesses that have flexible shift patterns, rotating staff, or a shared pool of vehicles.
But while it offers flexibility, it doesn’t mean anyone of any age can automatically drive. Every any driver policy includes restrictions and the driver’s age is often the first one listed.
The Most Common Minimum Age
For most business vehicle policies, the minimum age for any driver cover is 25. This is a standard threshold because younger drivers are statistically more likely to be involved in accidents, and insurers factor that risk into the pricing.
Some insurers won’t offer any driver cover at all if you want to include drivers under 25. Others will offer it, but with a much higher premium or a compulsory excess that applies to younger drivers only.
If your business hires apprentices, trainees, or casual labour aged under 25, it’s important to check your existing cover before letting them behind the wheel.
Can You Include Drivers Under 25?
It depends on the insurer. Some will allow drivers aged 21 to 24 under specific conditions, usually if they’ve held a full UK licence for at least a year and have no serious convictions. You may need to declare them separately, or your insurer may apply a higher premium across the policy to account for the added risk.
Including drivers under 21 is rare and usually requires a custom policy. You’ll be asked to provide detailed information about the driver’s experience, training, and how the vehicle is used. Expect increased costs and tighter terms if this is approved at all.
Author Note: If you want to find out the answer for your exact circumstance, submit the quote form via the Get Quotes button below to discuss with a fleet expert for free. Or visit our page on fleet insurance costs in the UK to get a rough idea of costing before requesting a quote.
Named Drivers vs Any Driver
If you regularly employ younger drivers, it might be cheaper to use a named driver policy rather than full any driver cover. This allows you to list each person individually, which gives the insurer more control and usually reduces the overall premium.
You could also combine the two approaches. Some any driver van insurance policies allow for named exceptions, meaning everyone over 25 is covered by default, but specific under-25s are manually added with their own terms.
What Else Affects the Age Limit?
Insurers also look at how the vehicles are used. Local driving with low mileage and no passengers is considered lower risk than national deliveries or work involving heavy tools or hazardous materials. If you can demonstrate a safer driving profile, the insurer may be more flexible with age restrictions.
The number of vehicles, claims history, and how well your business manages driver records also play a role. A well-managed business with solid risk controls is more likely to be offered lower age thresholds.
Final Word
In most cases, the minimum age for an any driver business policy is 25, but it’s not set in stone. Some insurers will consider younger drivers, especially if you’re willing to adjust the policy or pay slightly more. The key is to be upfront about who’s driving and how the vehicles are used.
