Can I be a named driver on someone else's car?

Asked by: Enos Cronin III  |  Last update: April 3, 2023
Score: 5/5 (28 votes)

If your personal policy is a named driver policy but a friend's policy whose vehicle you want to drive is not, you are eligible to drive their vehicle under the permissive use clause. If the other vehicle you want to drive is on your named driver policy.

Does the policy holder have to be the main driver?

Does the policyholder have to be the main driver? Generally, insurance policies are set up with the policyholder also being the main driver of the car. It's worth noting that it's illegal for anyone other than the main driver to be placed as the policy holder, this is 'fronting'.

Can you drive another car if your only a named driver?

Can I drive my partner's car? As we've seen, driving other cars (DOC) insurance isn't usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you'll only be able to drive your partner's car if they've added you as a named driver or have a family or any driver car insurance policy.

Can you put someone else as the main driver?

Car insurance fronting – where someone declares themselves as the main driver of a car even though it will be someone else – is illegal.

What is the difference between a named insured and a driver?

Answer provided by. “Named insured refers to the person who opened the policy. Second named insured refers to a person on the policy who can make changes to the policy, including renewal and cancellation. Anyone listed as a driver is insured, but they cannot make changes to the policy.

How to insure yourself to drive someone else's car

20 related questions found

Does a named driver have to live with you?

Does a named driver have to live at the same address as the main driver? No, someone does not have to live at the same address as you to be added as a named driver to your policy.

Does a named driver have to have their own insurance?

Does a named driver need their own insurance? No, you do not need your own insurance policy as a named driver. The entire point is that named drivers can be added to an existing policy.

Can I insure a car but not be the main driver?

It depends. Some insurance providers will only insure you as the main driver if you're the car's owner or registered keeper. If you're having trouble getting cover from one insurance provider, it's worth contacting others for a quote.

Can you add a named driver at any time?

Keep in mind that insurers must notify the Motor Insurance Database of any changes so that if the police check you are insured you won't be stopped thanks to out of date information. Insurers have to do this to strict timescales so it's important to request an MTA immediately if you want to add a named driver.

Can I be the registered keeper of a car but not own it?

The registered keeper should be the person who is actually using / keeping the vehicle and this is not necessarily the owner of the vehicle or the person who is paying for it.

Is being a named driver cheaper?

Adding a named driver to policy can reduce your premiums, as well as making it cheaper for the named drivers to be insured, especially if they're a young driver.

How often can I drive a car as a named driver?

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.

Can someone else insure my car if the title is under my name?

While the person who owns the car is usually the one who insures it, most states will allow someone other than the owner to pay for a car policy. However, many driver's insurance providers will only insure a car if the policyholder and car owner are the same.

Do named drivers have to declare accidents?

You need to tell your insurer if a named driver has an accident in your car, even if you don't want to claim. The named driver will need to tell their insurance company when their own policy comes up for renewal. This could push up the cost of their own insurance, too.

Can you have 2 main drivers on the same car?

You and your partner can both take out separate policies for the same car. Car insurance policies are for both the vehicle and the driver, so it's perfectly fine, legal and common for two people to be insured on the same vehicle under separate policies. There are a few reasons why you might consider doing this.

How many cars can I be a named driver on?

A named driver is not legally permitted to drive the vehicle more than the main driver, however. If the named driver drives the vehicle more than the main policyholder, this is against the law and will void the policy altogether.

Does it cost to add a named driver?

If you chose to add a named driver to an existing policy partway through the year, you might have to pay an admin fee to your insurer to make this amendment. In addition, adding a named driver to your policy may affect your annual premium and this is largely down to the risk profile of the individual you are adding.

Can a car be registered in one name and insured in another UK?

You can insure a vehicle you don't own, but you must tell the insurer that you're neither the registered keeper nor the owner. The registered keeper is the person named on the registration certificate; the owner is the person who bought it.

What happens if a named driver crashes my car?

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.

Can I insure myself on a car I don't own?

Can you insure a car you don't own? You don't have to own a car to get yourself insured on it – but you do need the owner's permission! If you don't have a car – and sometimes even if you do – it can be useful to be able to drive someone else's vehicle from time to time.

Can I insure myself to drive someone else's car?

Yes, but you will have to tell the insurer you are not the owner or registered keeper when you apply. Some insurers will only offer you cover as the main driver if you are also the registered keeper of the car. However, many will insure you, so shop around and check the policy documents before you apply.

Can my parents insure my car?

You cannot be on your parents' car insurance if the car is in your name and you are listed as the sole owner. Your parents can't insure your car unless they are listed as owners. So if you are thinking about buying your own car, it is a good idea to ask for quotes from several insurance companies first.

Do named drivers get no claims?

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.

Is a named driver fully comp?

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.

Can I insure my daughters car if she doesn't live with me?

Unfortunately, because the car and your child are not located at your house anymore, they cannot stay on your car insurance policy.