What is a named driver?

If you own a car and have your own insurance but there is another driver who sometimes uses your vehicle, you can usually add that person to your car insurance policy as a named driver.

The named driver will then benefit from the same level of insurance cover as you while driving your vehicle. However, you will remain the policy holder and also be liable for any payment of premiums and excess payments that have to be made under the insurance policy. Remember that, if you are the owner and the main driver of the vehicle, it is a legal requirement that the insurance policy be under your name.

Adding a named driver to your insurance policy can sometimes result in a decrease in your annual premium, but you should check with your insurer as this will depend on the circumstances.

You should also bear in mind that named drivers are unlikely to be able to build up their own no claims bonus through being named on someone else’s car insurance policy.