Does a named driver have the same cover as the main driver?

Asked by: Estell Johnson  |  Last update: February 11, 2022
Score: 4.9/5 (45 votes)

In a named driver policy, or a named operator policy, only drivers explicitly named in the policy are covered. If someone else who is not listed on your policy drives your vehicle, they will not be covered, and neither will your car.

Do named drivers have same cover?

A named driver is someone who is insured to drive a vehicle in which another person does most of the driving. When driving that vehicle, the named driver will have the same level of cover as the main driver. They may also be referred to as an additional driver.

What cover does a named driver have?

What kind of cover will the named driver have? That depends on what type of policy you choose. 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.

Does a named driver need their own insurance policy?

No. Being listed as a named driver on someone else's policy does not affect your own car insurance if you are involved in a road traffic accident. If you were to have a car accident while driving another person's car as a named driver, you would need to claim on the main driver's insurance policy.

Does it matter who is the main driver on car insurance?

The main driver (or vehicle policyholder) is the person who drives the vehicle most often and earns no claims discount. They do not need to be the principle policyholder but they must live at the same address as them.

Does Being A Named Driver Reduce Insurance

43 related questions found

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

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. ... Some car insurance companies may only insure you as the main driver if you're also the registered keeper.

Does the owner of a car have to be the main driver?

Every car insurance policy has a "main driver". ... The main driver has to drive the car more often than the named driver. If they don't, it counts as a type of fraud called "fronting". But the main driver doesn't necessarily have to be the owner or the registered keeper.

Can a named driver be the main driver of a car?

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.

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 named drivers can you have on your car insurance?

A named driver can be anyone you choose to add, whether that's a partner, family member or friend. You can usually add up to three or four named drivers to one policy. Note that a named driver is different to the main driver as the main driver is the person who will be doing most of the driving.

What is the difference between named insured and additional driver?

Named insured(s) can drive a car, or anyone else's (including rental car) and get into an accident. ... An additional driver is a person who resides with the named insured and/or regularly uses a shared vehicle. His or her record is used in underwriting the policy to determine rates, but the person has no policy rights.

What if a named driver has an accident?

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 I remove a named driver from my insurance?

Instead, if the situation has changed since you placed the person on your policy, then it may be possible to remove him from your policy. ... When a named driver exclusion is allowed, your insurer will note the person as an excluded driver on your policy and won't rate on that individual.

Do I have to declare an accident as a named driver?

Yes, you need to declare all accidents that you're involved in, regardless of who, or what, was at fault. Pretty much all insurance providers will have a clause in their policy requiring you to declare any incidences you're involved in while driving in the past 5 years.

Are named drivers covered for commuting?

Social, domestic, pleasure and commuting (SDPC)

This use will cover the regular driver and any named drivers to use the vehicle for social, domestic and pleasure use, plus to travel to and from a single permanent place of employment.

Does a named driver get no claims bonus?

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 a policy holder?

The vehicle policyholder is nominated by the principal policyholder as being the person who drives the vehicle most often and earns the no claim discount. Named drivers are additional drivers nominated by the principal policyholder who are entitled to drive the vehicle under the policy.

How often can a named driver drive?

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.

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.

Can I add a named driver temporarily?

If your named driver only uses the car occasionally or you just want to add them so a set period of time, temporary cover is the ideal option. Temporary policies are available from 1-12 hours or daily from 1-28 days.

Can I drive my wife's car on my insurance?

Can I drive my partner's car? 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 a named driver be the registered keeper?

It's whoever is named on the DVLA registration certificate. So you may be the registered keeper of your company car, for example. If you're not the car's main driver or registered keeper, you'll need to make sure you're definitely covered to drive it.

What is the difference between primary driver and assigned driver?

Insurance companies like to assign each car to one primary driver. That person, the primary driver, is the one whose driving record and risk profile are used to calculate its rates. ... Before you bought your third vehicle, your insurance company assigned you to the vehicle you normally drive and your husband to his.

Is the registered keeper the main driver?

The registered keeper is the main user of the car. A company car is a common example of when a registered keeper and owner are different. The company owns the car and the employee who drives the car is the registered keeper.

Can you insure a vehicle that is not in your name?

If you're looking for the easiest way to insure a car that's not in your name, you can add the owner of the vehicle to your insurance policy as an additional interest. When you do this, your premiums will not increase as it merely states someone else's insurable interest.