Does the sheer convenience of anyone being insured to drive your car appeal? Any driver car insurance lets anyone drive your car as long as they've got your say-so.
Any driver car insurance is often a good option for businesses with a lot of employees who need to use the car rarely.
But with the potential extra cost, is this for you and your daily driving needs?
What is any driver car insurance?
Any driver car insurance is a policy that lets any driver get behind the wheel of your vehicle - with your permission, of course.
Having the option of splitting the load with everyone who uses the car could be 1 way of keeping your costs in check.
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What is any driver business car insurance?
If you’re running a business, several members of staff might flexibly use your company vehicles to help your business grow.
Without this flexibility, keeping all the insurance up to date can an administrative and logistical nightmare that risks slowing down your operation. Especially if you have a regular turnover of staff.
Having an any driver car insurance policy allows multiple employees to use the same vehicle, giving you that greater degree of freedom without inflating your overheads.
But there are a lot of other things to consider before signing on the dotted line.
Why would I need any driver car insurance?
Any driver car insurance aims to give you a ton of flexibility. It should mean far less paperwork because there’s just 1 policy in place instead of multiple policies.
Plus, you avoid all the inconvenience of several renewal dates. Any driver car insurance could also save you money, depending on the circumstances.
Sharing insurance costs across your family could save you and family members the hassle and expense of running separate vehicles. It also means you won't have to decide who is the 'main driver' of a vehicle.
There are alternatives to any driver car insurance, such as:
- Temporary car insurance - if you're looking to have family members drive for a short period of time
- Add a named driver to your policy - if you have a small number of specific people you want to use your car
- Multi car insurance - if you'd prefer a single policy but everyone needs to use their own car
So, there might be better alternatives – everyone’s situation is different.
How much does any driver car insurance cost?
Given the additional flexibility in the policy, any driver car cover tends to be pricier than standard policies.
This is because car insurance pricing is based on the risk of you making a claim on the policy. So, having a policy that lets absolutely anyone drive your car could raise that risk significantly.
Let’s think about this a bit more. How should your insurer anticipate the driving ability and habits of anyone getting behind the wheel of your car?
Some drivers could have already racked up penalty points on their licence.
We all cope differently with more difficult road conditions, like fog, snow or ice.
Our different characters and temperaments mean some of us have a different attitude to risk-taking on the road.
So, the sheer range of circumstances and risk factors soars with an any driver car insurance policy.
Bear in mind that if the cost is more than what you’re prepared to pay, consider asking for several named drivers instead. This could work out less expensive for you.
Can anyone get any driver car insurance?
Generally not everyone can get any driver car insurance. That’s because insurers know that younger drivers tend to cost more in claims. So, expect some tight restrictions on an any driver policy.
If you’re 25 or under, any car driver insurance could be prohibitively pricey. You might even find that some insurers won't offer you this kind of policy.
But if you’re running your own business and you rely on younger employees using your vehicles, it could be worth looking into.
If you’re considering any driver car insurance for your business, there are some ways you might keep your costs down:
Lower-powered or less expensive vehicles could be cheaper to insure.
A risk assessment and driver training could cut the premium further.
Having your employees take a Pass Plus training course to improve their driving skills could help keep costs in check.
Some businesses rely heavily on temporary labour. Or they need to change or appoint new drivers at short notice. So, an any driver policy could be just what you need.
Who can be a driver on any driver car insurance?
Most any driver car insurance policies have clear age cut-offs as younger drivers tend to be riskier – and so more expensive – to insure.
Drivers under 25 might particularly struggle to find any driver car insurance cover because they're considered to be a greater risk.
In a 2018 study, the Association of British Insurers (ABI) found that drivers aged 17-24, made up 7% of UK licence holders and tended to drive fewer miles than the average. Yet they were involved in 24% of all fatal collisions.
The particulars of who might be eligible for this kind of policy vary between insurers. So, if you're in doubt, get in touch with your car insurance company and see what they can offer.
Can I insure my car for any driver over 25?
Yes you can, usually. Some insurance policies might try and offer a more flexible option.
For example, they might say anyone can drive who’s over 25, but for a limited period. Or they might encourage you to narrow it down with named drivers only.
At the end of the day, any driver cover tends to be more expensive.
If you’re still finding the quote expensive, why not ask your insurer about ways to reduce it. Are there extras on your policy that you don’t really need? For example:
Do you really need European cover?
Check for duplicate protection, just in case. Have you already got breakdown cover elsewhere?
Think also about the amount of motor legal cover you need. Costs for legal protection could vary depending on where you get it.
So do check and have a hard think about your needs. This is always a blend between ‘what’s reasonable’ and ‘what’s essential’.
Which companies offer any driver car insurance?
It’s down to your insurer to tell you if it’s possible to add any driver insurance to your policy.
There might be tight policy restrictions on age. Some insurers might only offer it to over 25s, for example.
That’s simply because young drivers are statistically far more at risk of having an accident.
Other insurers could be more flexible. So, shop around, compare car insurance quotes and double-check the policy small print.
If you’re thinking about any driver car insurance for your business – perhaps a driving school – there are a lot of policies out there to consider.
Can I drive other cars on my insurance?
Some comprehensive car insurance policies allow you to drive other people’s cars, but not all.
This arrangement used to be common and was called Driving Other Cars (DOC). So, check your policy details to check if you're covered.
Just be aware that DOC cover is usually on a third-party only basis.
So, if you have an accident driving a friend’s car, for example, you likely won’t be covered for damage to their vehicle.
So, think carefully about the implications of DOC cover before getting behind the wheel of an unfamiliar car.
If you're in an accident it might also hit their no-claims bonus, potentially making it pricier when it comes to renewing their policy.
Are there any alternatives to any driver car insurance?
On the surface, any driver insurance looks like a great all-eventualities option for some. In reality, only a small percentage of us would likely have the need for it.
In most domestic situations it's often better to go down the named driver route. Or look at temporary car insurance. These 2 options could be easier on your finances and be more practical overall.
Most insurers should let you add several named drivers to your policy, which could suit your needs just as well.
But a word of caution here. A named driver should only drive your car on a now-and-again basis. You should be the designated main driver of the car.
A named driver who uses your car regularly to avoid higher insurance costs – younger people, perhaps – is a form of fraud called fronting. Car insurance fronting is against the law and it risks your policy being invalidated.
In some cases, it may even lead to a criminal conviction.
Is temporary cover cheaper than any driver car insurance cover?
Temporary cover is often a sensible add-on when you just want to share the driving on a longer trip.
Temporary car insurance could be useful if you drive a classic car every so often. Or if you’re thinking about test driving a car through a private seller.
The really flexible thing about temporary car insurance cover is that it can be paid by the person who needs it.
Your friend or relative, say, could pay for cover for a few hours. Or even a month, whether it’s for personal or business use.
Temporary car insurance policies are used in addition to your standard policy. So, if they’re unlucky and need to make a claim, it shouldn’t affect your no-claims bonus.