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Joint car insurance

Can I get a joint car insurance policy?

Your car insurance can cover several drivers or several cars – you just need the right sort of policy

By Jessica Bown

Published: 28 August 2020

Driving a car

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What is joint car insurance?

Technically there is no such thing as a joint car insurance policy. When people talk about joint car insurance, they usually mean one of the following:

  • Multi-car insurance, which can normally be used to cover up to five vehicles registered to the same address
  • Any driver car insurance, which must be taken out in one name but will allow anyone with a driving licence to drive the vehicle (as long as they meet certain conditions, such as being over 21)
  • A standard car insurance policy with one or more named drivers. These policies are designed to cover cars that are driven by more than one person – for example, the main driver, their spouse and their child

Can I take out a car insurance policy with another person?

You can’t take out a car insurance policy as joint policyholders with someone else – there’s no such thing as joint car insurance, even for married couples. But you can easily insure someone else to drive your car by adding them to your individual car insurance policy as a named driver.

There may be an extra premium to pay to do this, but in some cases adding a more experienced named driver can actually cut the cost of your car insurance. Just remember your no claims discount will still be affected if they have a crash.

If you want to insure a vehicle that lots of people need to drive – for example because it’s a company car or van that is used by multiple members of staff, you can also take out an any driver insurance policy in your name. This type of policy can be expensive, but it means anyone you want can drive the vehicle as long as they meet certain conditions, which as usually linked to their age.

Is it cheaper to insure two cars on one policy?

Multi-car insurance that covers two or more cars on a single policy can be a cheaper way to get car insurance if you own more than one car. Most of these policies will cover up to five cars, as long as they registered at the same address.

However, you’ll usually pay more for an ‘any driver’ car insurance policy that insures anyone you want to drive the car.

Whether or not this is the best option will depend on the cars you have. If, for example, you drive a small hatchback to work, but use a more powerful sports car on the weekend, adding the latter to the same policy as your hatchback is likely to ramp up the cost – this is because the sports car will probably be in a higher insurance group. So taking out two separate or linked car insurance policies may prove cheaper overall.

You can get a multi-car insurance quote with MoneySuperMarket’s preferred partner Admiral, then use our quick car insurance comparison service to check whether two separate policies will cost you less.

Is named driver car insurance the cheaper option?

In some cases, you can reduce the cost of your car insurance by adding another person as a named driver or additional driver. However, this will usually only be the case if the person you’re adding is a more experienced driver than you.

If the extra driver is young, inexperienced, or has made a car insurance claim recently, you’ll probably have to pay an extra premium for them to be covered. Your premiums will also rise if you have to make a claim as a result of them being at fault.

Another way you could save money is by taking out home insurance and car insurance with the same provider, which is sometimes known as joint car and home insurance. But remember, you should always compare all your options for car and home insurance policies before buying to ensure you’re getting a good deal.

What’s car insurance “fronting”?

Car insurance fronting involves trying to cut the cost of your car insurance by falsely claiming a more experienced driver is the main driver of the car. Young drivers pay a lot more for their own car insurance than they do to be added to an experienced driver’s policy.

But asking a more experienced driver to front your policy by pretending to be the main driver is fraud and will invalidate your policy if you’re caught. If you add a named driver to your policy, he or she also needs to use the car.

Can two people insure the same car?

Yes, two different people can insure the same car at the same time. Ways you can get insured on someone else’s car include:

  • Take out a non-owner car insurance policy that covers you to drive the car named in the policy, according to the insurer’s terms and conditions
  • Take out a short-term car insurance policy that lasts for a few weeks or months

However, it’s usually cheaper to add yourself to the car owner’s existing policy as a named driver if it’s for a long-term period.

Compare car insurance quotes

Finding affordable cover is quick and easy when you compare car insurance quotes with MoneySuperMarket. Just tell us a little about yourself, your car and the cover you need, and we’ll search the market for a list of quotes tailored to your needs.

You’ll be able to compare deals by the overall monthly and annual premiums, the cover you’ll get and the excess you’ll need to pay to make a claim. Once you’ve found the one you want, just click through to the provider to finalise your purchase.

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