Is it better to add a named driver to your existing car insurance policy or for them to take out temporary cover?
Whether it's a family member who regularly drives your car or a friend who wants to borrow it for a weekend, you have different options when insuring someone else to drive your car.
Experienced named drivers
If you’re a young or inexperienced driver, adding someone more experienced to your policy can actually get you a cheaper premium.
With some insurers you could even build up your own no-claims discount, which is a great way for young drivers to keep costs to a minimum when getting their first policy as a main driver.
Younger named drivers
Adding an inexperienced named driver to your policy will usually push your premiums up.
Insurers see under-25s as the riskiest group, so it makes sense to take a student son or daughter off your annual policy if they’re not going to be around much.
You can still allow them to drive when they return over the holidays by taking out temporary cover.
What about learner drivers? Consider a learner driver policy as some insurers refuse to cover younger learners on existing policies and others will charge a horrendous premium.
How much does adding a driver cost?
Lots of factors can affect the price of your insurance when adding a driver to your policy:
- The age and marital status of the additional driver.
- Their relationship to the policyholder.
- If they own or drive another vehicle (some insurers may give a discount if the additional driver uses another car).
- Their licence (type, how long they’ve had it and any DVLA-reported medical conditions or disabilities).
- Their driving history (any claims and convictions).
You’ll need to pay a standard amendment fee, usually between £15 and £30, on top of any changes to your premium.
If you’re adding a driver several times a year, you’ll be paying successive admin fees, so it might be cheaper to keep them on your policy permanently.
Getting temporary cover
An alternative to adding a driver to your existing policy is to take out a separate temporary car insurance policy, covering from one to 28 days.
But bear in mind that most insurers don’t offer temporary cover to drivers aged under 21.
How much does temporary cover cost?
Typically, it’s more costly over 12 months, but if you only need short term cover for an additional driver - for a weekend away or a holiday, for example – it might work out cheaper.
The amount will depend on various factors such as age, claims history, and the make and model of the car.
What happens after an accident?
With a temporary insurance policy, the new driver - and their insurer – is responsible for any accidents or damage they cause.
If a named driver has an accident in your car, it could push up your insurance costs in future and affect your no-claims discount.
What about third party insurance?
Many drivers think you’re covered third party to drive other vehicles provided that you’re fully comp on your own car and have the owner’s permission, but that’s not always the case.
Even if your policy states you’re covered to drive other cars on third party, be sure to check with your insurer first, as cover depends on things like age, job and the car itself.
If you’re covered, it might be for emergencies only and not regular use of another car.
And if you’re under 25, you can pretty much rule our driving other cars on third party altogether.
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