What is a named driver and can I add an additional driver to my car insurance?
Adding an experienced driver to your car insurance policy can help you get cheaper cover, but it might not be useful for everyone
Key takeaways
A named driver is an additional individual insured to drive a vehicle not primarily under their name
Make sure you accurately declare the main driver to avoid illegal practices like fronting
Named drivers can be covered under third party, third party fire and theft, or fully comprehensive policies
Adding a named driver can reduce or increase premiums depending on the driver’s profile
When it comes to car insurance, flexibility can be just as important as coverage. Named driver insurance offers just that—a way for vehicle owners to share their car with others, such as a newly licensed child or a visiting friend, while maintaining peace of mind.
However, it's not a one-size-fits-all solution, and understanding its nuances is key to making an informed decision.

What is a named driver?
A named driver, also referred to as an additional driver, is an individual who is insured to drive a vehicle that is not primarily under their name.
This additional driver enjoys the same level of cover as the main driver, and it's common for policies to allow up to three named drivers. This can be particularly useful for families with multiple drivers or for those who occasionally share their car with others.
The role of the main driver
The main driver is the person who uses the car most frequently and has a significant impact on the insurance premiums.
The main driver on a car insurance policy won't always be the policyholder. Insurance companies assess the risk based on the driving habits and history of the main driver, which is why it's crucial to accurately declare who the main driver is to avoid the illegal practice of fronting.
Who benefits from named driver insurance?
Named driver insurance is generally useful for younger drivers who already face high premiums because of their age and the associated risk factor.
By adding a more experienced driver to their policy, such as a parent or guardian, insurers will assume the young driver will spend less time behind the wheel as they’re sharing the vehicle with someone else.
This type of insurance is a boon for young drivers who often face steep insurance premiums. It's also a practical solution for sharing a vehicle without the need to purchase separate policies for each driver.
Advantages of adding a named driver
Shared Coverage: The named driver enjoys the same level of cover as the main driver
Cost-Effective: It can be more affordable, especially for young drivers
Flexibility: Named drivers can be added on a permanent or temporary basis
Extended Features: Any additional features of the policy apply to the named driver as well
How to add a named driver
Adding a named driver to an existing policy is straightforward. You can contact your insurer or manage it online. For new policies or at renewal, named drivers can be included during the quotation process.
You'll need to provide details such as the driver's name, date of birth, occupation, license details, and any previous claims or convictions.
Temporary policy additions
Sometimes, you might need to lend your vehicle for a short period. In this case, taking out short-term car insurance may come as the most affordable solution.
This is because it is available as a stand-alone option, meaning you will not need to amend your own policy. Based on your insurer, short-term car insurance can last from 1 hour to up to 84 days.
No-Claims bonus and named drivers
Adding a named driver to your car insurance policy won’t change the way your no-claims bonus is accumulated.
However, it does mean your bonus is likely to be affected if the other driver has an accident and makes a claim, as it will still be made on your policy. Your named driver also probably won’t be able to build up their own no-claims bonus, which might put young drivers off being added to their parent or guardian’s policy.
They might still be able to earn a discount on their premiums if they stick with the same insurer when they eventually take out their own policy. This will be based on their driving history as a named driver.
The legal pitfall of fronting
Fronting is a deceptive practice where the main driver on a policy is inaccurately declared to reduce premiums. This is illegal and can lead to severe consequences, including voided policies and prosecution for fraud.
Cover levels for named drivers
Named drivers can be covered under various policies, including third party, third party fire and theft, or fully comprehensive policies. Fully comprehensive cover is usually the most extensive and often the most cost-effective, covering damages to your own vehicle as well as other risks outlined in the policy.
Extras for comprehensive protection
Car insurance can come with several additional options to enhance protection:
Breakdown cover: Assistance in case of vehicle breakdown
Motor legal protection: Coverage for legal expenses related to claims
Personal accident cover: Compensation for serious injury or death in an accident
Driving abroad: Insurance for taking your car overseas
Multi-car cover: Insurance for driving other cars, with terms varying by insurer
Key cover: Reimbursement for lost or stolen keys
Wrong fuel cover: Coverage for misfuelling incidents
These extras apply to all named drivers, ensuring everyone is equally protected.
The cost factor
While adding a named driver can sometimes reduce premiums, it largely depends on the profile of the added driver.
Experienced drivers adding younger, less experienced drivers might see an increase in their premiums. Conversely, young drivers adding an experienced named driver could see their costs go down.
Common misconceptions
It's important to dispel some myths about named driver insurance:
It doesn't always make insurance cheaper
No-claims bonuses can be affected
Comprehensive cover doesn't automatically include driving other cars
The main driver isn't necessarily the car owner
Misunderstandings can lead to unintentional insurance fraud, so it's crucial to be well-informed.
When insurers might say no
There are instances where insurers may refuse to add a named driver based on their driving record, experience, or the vehicle type. They might also discourage additions by quoting high premiums.
Finding the right deal
The easiest way to find affordable car insurance for named drivers is to compare quotes with MoneySuperMarket. You'll need to provide information about yourself, your driving history, and the car, as well as details for any additional drivers.
When asked if you'd like to add any additional drivers, simply select 'yes.' Don't forget to read our guide for more tips on getting cheaper car insurance.
Understanding named driver insurance is essential for anyone looking to share their vehicle. It offers a range of benefits and can be tailored to suit different needs. However, it's important to approach it with a clear understanding of the implications on costs and coverage.
By staying informed and comparing options, you can ensure that you, your vehicle, and all drivers are adequately protected.