Adding Someone To Your Car Insurance

Posted on: 15 September 2022 at 10:43 am

Your Guide To Adding A Named Driver To Your Policy

Adding a named driver to your car insurance policy can be convenient for a lot of reasons.

If you’re splitting a long drive with a loved one, adding a named driver to your policy is an easy way to make sure they are insured to drive your vehicle for the journey.

Here at Got2Insure, we strive to make car insurance as straightforward as possible. We make it easy to add a named driver to your car insurance policy so that you can both get onto the road as quickly as possible. Our experienced team has put together all you need to know about adding someone to your car insurance and how it can benefit you to do so.

What are the benefits of adding a named driver to your policy?

There are many benefits to adding a named driver to your policy. It is a convenient way for someone else to easily access your car. They will be able to use the vehicle at any time of day and usually have the same level of cover as you. The policyholder will always be the main driver, but the named driver gets similar benefits.

Other benefits of adding a named driver to your policy include:

  • You will be able to share the drive for long journeys
  • Another member of the household has access in case of emergency
  • You will save money on insurance with only one car in the home

Does adding a named driver make insurance cheaper?

There is no guarantee that adding a named driver will make your insurance cheaper.

Please call our experienced staff for a quotation. 

What happens if a named driver has an accident in my vehicle?

If a named driver has an accident in your vehicle, any insurance claim will impact the policyholder. If the named driver crashes your car, the policy is still under your name. If you have built up a strong no claims history and your named driver crashes your car, you will lose it if you have to make a claim. This also means there is a chance it may increase your insurance premiums, even if this driver is removed from the policy.

The named driver’s no claims bonus won’t be affected if they crash your car. This means their future insurance premiums will not be impacted at all. Be careful with who you add as a named driver to your vehicle.

How do I add a named driver to my policy?

You will be able to add a named driver to your policy by calling your insurer. 

A named driver doesn’t have to live at the same address as the policyholder, but you will need basic information about them. For example, you’ll need to know their: 

  • Name
  • Date of birth
  • Their driving licence number and 
  • Main job
  • Marital status
  • Any motoring convictions
  • Any accidents or claims within the last 5 years

What are the rules for a named driver?

If you are the main policyholder, you must be the person who uses the car the most. All other drivers should be named drivers.

If you add somebody to your car insurance as a named driver and they drive the car much more than you do, you need to change your policy so that they are the main driver. Otherwise, you will be committing a type of fraud called ‘fronting.’

Fronting is a term used to describe a type of car insurance fraud. This is usually where an older driver puts themselves as the main driver, but they add a younger named driver who ends up using the car the most.

In a recent study by UK fraud prevention services Cifas, ‘the data showed an 18% increase in the proportion of 21-30 year-olds engaging in ‘fronting’ car insurance fraud.’

This is illegal and could result in a fine and a ban from driving.

Choose Got2Insure

Here at Got2Insure, our expert team does everything they can to make car insurance as simple as possible. Adding a named driver to your policy is no different. 

We understand that everybody looks for different specifications with their car insurance policies. One of your unique requirements may be that someone else needs regular access to your car. We make adding a named driver to your policy straightforward.

Our friendly UK based help team is ready to assist you with any queries you may have about adding someone to your car insurance. Call us today on 0344 854 0689 to learn more about our 5* Defaqto Rated Comprehensive Car Insurance. Alternatively, to get an instant quote, click here. We look forward to hearing from you.