Joint car insurance

Key Takeaways

• While joint car insurance policies don’t technically exist, you can take out one policy to cover multiple cars or drivers

• Multi-car insurance is ideal for households with multiple vehicles, allowing up to five cars to be insured on one policy

• Named driver insurance lets you add another driver to your car insurance policy, but it can affect your no-claims discount if they have an accident

What is joint car insurance?

There is no actual policy known as joint car insurance, but you can buy car insurance that will cover multiple cars or multiple drivers under one policy. You can also take out an 'any driver' policy that covers anyone with a valid licence meeting certain criteria to drive the car.

What is multi-car insurance?

Multi-car insurance is a convenient option for households and families with more than one vehicle. You’ll usually be able to insure up to five cars on a single policy, simplifying paperwork and often saving you on your premiums.

Is multi-car insurance more cost-effective?

Yes, adding multiple cars to one policy is often a much more cost-efficient way of buying insurance, compared to covering each car separately.

What is named driver insurance?

While you can’t strictly take out a ‘joint car insurance policy’, even if you’re married, you can add another person to your policy as a named driver - whoever does most of the driving will be the main driver.

Will adding a named driver affect my car insurance premiums?

Yes, adding a named driver is likely to affect your car insurance premiums - but exactly how will depend on the drivers involved. For young drivers who face high premiums already, adding a more experienced driver to share responsibility for the car can actually bring costs down.

Conversely, adding a young driver to your policy is likely to increase your insurance costs as the overall risk profile of your policy gets higher. You should always be honest about who the main driver of the car is, and who is added as the named driver - otherwise you may be committing fraud.

What is fronting?

Car insurance fronting is a fraudulent practice where a more experienced driver is falsely listed as the main driver to lower insurance costs. This is often tempting for young drivers, who face higher premiums - but fronting can lead to severe consequences, including policy invalidation and convictions.

What is any driver insurance?

Any driver car insurance is a flexible policy that is taken out in one person’s name but allows anyone with a valid driving licence to drive the car - though they may need to meet other criteria. It can be useful for business vehicles that are used by multiple staff members, but it can come at a high price.

Can two people insure the same car?

Interestingly, two different people can insure the same car at the same time. Options for this include non-owner car insurance policies or short-term car insurance. However, for long-term arrangements, it's usually more economical to be added as a named driver to the existing policy of the car's owner.

Compare car insurance quotes

Finding affordable cover is quick and easy when you compare car insurance quotes with MoneySuperMarket. By providing a few details about yourself and your vehicle, you can receive a list of tailored quotes. This allows you to compare deals by premiums, coverage, and excess, and finalise your purchase directly with the provider.