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07 Jul 2021
Adam Bate Adrian Holliday

Any driver car insurance

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Friends in a car, sharing the driving

Any driver car insurance lets your family and friends legally driver your car. How good is this for you and your daily driving needs?

 

What is any driver car insurance?

Does the sheer convenience of anyone being insured to drive your car appeal? Any driver car insurance is just what it says: with your consent, any driver should be able to get behind the wheel of your vehicle.

If you’ve several drivers in the family and want to share costs it might sound a sensible idea. Running a car is expensive, after all.

And if you’re running a business, several members of staff might flexibly use your company vehicles to help your business grow.

Otherwise, it’s an administrative and logistical nightmare, slowing down your operation.

But there’s 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 one policy in place instead of multiple policies.

Plus, you avoid all the faff of several renewal dates. Any driver car insurance could also save you money, depending on the circumstances.

Sharing insurance costs across your family could dramatically save you and family members the hassle and expense of running separate vehicles.

Not just on the insurance, but also on fuel, car tax , on-going servicing and replacement parts.

There are alternatives to any driver car insurance, such as temporary car insurance. Or, you could add a named driver to your policy.

So, there might be better alternatives – everyone’s situation is different.

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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 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?

It depends. Some comprehensive car insurance policies allow you to drive other people’s cars.

This arrangement used to be common and was called DOC cover or Driving Other Cars. So, check your certificate of insurance. You may well still be covered.

However, a word or two of caution here. DOC cover usually only covers the third party in an accident.

So, if you have an accident driving a friend’s car, for example, you likely won’t be covered for damage to their own vehicle.

You’re only covered for the third party – the other vehicle involved in the bump.

This could be a lot of risk – much of it you can’t directly control yourself – to take on.

So, think carefully about the implications of DOC cover before getting behind the wheel of an unfamiliar car. Even if it saves you time. Or it helps someone out. Or it’s just fun to do!

If you’re unlucky enough to have an accident it will have to be disclosed too, affecting your claim history.

This might also hit your no-claims bonus, potentially making it pricier when it comes to renewing your policy.

 

Can anyone get any driver car insurance?

Generally no. That’s because insurers know younger drivers tend to cost more in claims – and they’ve got all the data to prove it! So, expect some tight restrictions on an any driver policy here.

If you’re 25 or under, any car driver insurance could be prohibitively pricey.

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:

  • Cover could depend on the power and size of the vehicle your employee might drive.

  • Lower-powered vehicles should be cheaper to insure.

  • A risk assessment and driver training could cut the premium further.

  • Has your employee taken a Pass Plus training course to improve their driving skills?

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, on the other hand, just what you need.

Don’t forget, if you run a business and have a number of fleet vehicles you need to have at least third-party insurance – the legal minimum required by UK law.

 

How much does any driver car insurance cost?

You might experience a sharpish intake of breath when you get your quote. Unfortunately, any driver car cover tends to be pricier than standard policies. Sometimes a great deal.

Why might any driver cover be expensive? Simply because your insurer’s risk profile could rise sharply when you choose this level of protection.

That’s because your insurer is exposed your driving and also any number of other people’s driving. Which it has zero control over, 24/7.

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 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.

And always shop around for this type of cover.

 

Are there any alternative options?

On the surface, any driver insurance looks like a great all-eventualities option for some. In reality, only a small percentage of us would need to rely on it.

In most cases it might be better to go the named driver route. Or looking at temporary car insurance. These two routes could be easier on our finances and a more practical all-round option.

Most insurers should let you add several named drivers to your policy.

Do you rely on a friend or neighbour to help you share the driving on longer trips?

What about a son or daughter who wants to get more driving experience? Especially if they’ve recently passed their test.

But a word of caution here. A named driver should only drive your car on a now-and-again basis. You are the designated main driver of the car.

A named driver who uses your car regularly to avoid higher insurance costs – younger people, perhaps – is effectively 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.

At the end of the day, car insurance fronting is fraud and is taken extremely seriously by the insurance industry as well as the courts and police.

 

Can you get any car insurance for any driver?

Sorry, no – that’s the quick answer! 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 or 21 might particularly struggle to find any driver car insurance cover. The Association of British Insurers (ABI), the ‘voice’ of the UK insurance industry, has some powerful statistics to back its reasoning. 

Drivers aged 17-24, the ABI says, make up 7% of UK licence holders and tend to drive fewer miles than the average. Yet they’re involved in 24% of all fatal collisions.

But, young car driver casualties ‘decreased by 62% from 37,686 casualties in 1990 to 14,375 casualties in 2016’ adds the DoT. 

However your situation may change with business or fleet use. Why not check with your insurer?

 

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 encourage you to narrow it down with named drivers only.

At the end of the day, any driver cover tends to be much 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?

  • Some breakdown cover can be bundled as part of your household insurance. Or even with your bank account or credit card.

  • Think also about the amount of 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’.

And, as always, it’s important to shop around.

 

Is temporary cover cheaper than any car insurance cover?

Temporary cover is often a sensible add-on when you just want to share the driving on a longer trip with a named driver.

Temporary car cover, sometimes called short-term or weekly 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.

And if they’re unlucky and need to make a claim, it shouldn’t affect your no-claims bonus.

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