Can I add a driver to my policy?

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Written by Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.

One way drivers can potentially see their insurance costs reduced is by adding another named driver onto their policy. This is easy to do and can help drastically reduce monthly costs but there are a few things drivers need to take into consideration before they decide to add a second or even third named driver onto their policy.

A named driver is someone who is added onto you insurance policy, giving them coverage to drive your vehicle. This means that in the event that person is driving your vehicle instead of you, and get into an accident, they will still be covered via the same insurance policy that you would have been. The downside to this is that if the other named driver is at fault for an accident, it is you who will lose your no claims discount, should you have accrued one.

Experienced named drivers

It is common for young car drivers to add a more experienced driver to their policy in order to help reduce costs. Insurance for drivers between the age of 17-24 and drivers that have recently passed their tests see much higher insurance costs than other drivers due to their lack of experience.

By adding an experienced driver with a good driving history can be added to reduce costs. But drivers should be sure that the named drivers are not the ones who drive the car the most. Any named drivers should be those who use the car on occasion, not on a daily basis. If your insurance company finds out that the named driver is actually the one who uses the car the most, they can void your insurance, making it more difficult to find insurance in the future and more importantly can land you in court.

Adding other named drivers doesn’t always result in savings. If the driver being added is young or new to driving it can drive up the cost of your car insurance, so it is important to compare car insurance policies closely to see which option results in the cheapest premiums.