Adding a named driver to your car insurance policy

Find out how adding additional drivers to your policy will affect your car insurance.

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Whether it’s adding a family member or a friend who wants to borrow your car for a weekend, adding additional drivers to your car insurance policy isn’t difficult but it may affect how much you pay for it.

How do I update drivers on my car insurance policy?

Adding or removing drivers from your policy is easy with a simple phone call to your insurance company. In many cases, you can also log in to your online account to update this information.

  1. Call your insurance company or log in to your online account.
  2. Request to add or remove secondary drivers to your account.
  3. Provide the necessary information about the driver.
  4. Ask any questions about insurance rates and available discounts.
  5. Request mail confirmation as proof for your records or save the updated driver information online.

Compare car insurance for multiple drivers

Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Churchill Comprehensive
Churchill Comprehensive
Up to 90 days
Cover you or your partner up to the benefit amount outlined in your insurance agreement
Yes
Black box insurance, Young driver insurance
  • Replacement, upgrade or the money in case of write off
  • No-claims discount protected if car is vandalised or hit by an uninsured driver
  • (terms apply)
Direct Line Comprehensive
Direct Line Comprehensive
Yes
You or your partner are covered up to the amount in your insurance agreement.
Yes
Black box insurance, Breakdown cover , Motor Legal Protection, Guaranteed Hire Car Plus
  • Guaranteed hire car as standard
  • Taxi to get you to your destination if you've been involved in a crash (T&Cs apply)
  • No-claims discount protection (Terms apply)
Elephant car insurance - comprehensive
Elephant car insurance - comprehensive
Up to 90 days
£5,000 of personal injury cover for you and your spouse
Yes
Young and first time drivers insurance
Endsleigh Comprehensive
Endsleigh Comprehensive
Up to 90 days
You or your partner are covered up to £2,000 per person.
N/A
Short term car insurance, Young driver insurance
20% off MOT costs and 10% off servicing with comprehensive and third party policies.

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How much does adding a driver cost?

If you’re a young or new driver, adding someone more experienced to your policy could actually get you a cheaper premium. This is a great way of reducing your insurance premiums when getting your first policy.

On the other hand, if you add a younger driver to your policy, it’s likely that you’ll pay a little more as younger drivers are considered to be more high risk by most insurers.

Factors that can affect the price of your insurance when adding a driver to your policy:

  • The age and marital status of the additional driver.
  • Their relationship to the policyholder.
  • If they own or drive another vehicle. Some insurers may give a discount if the additional driver uses another car.
  • Their licence type, how long they’ve had it and any DVLA-reported medical conditions or disabilities.
  • Their driving history – any claims and convictions.

You’ll usually need to pay a standard amendment fee, generally between £15 and £30, on top of any changes to your premium.

If you’re adding a driver several times a year, you could be paying successive administration fees. In this case, it might be cheaper to consider keeping them on your policy permanently.

Who should be on my car insurance policy?

The main person insuring the car will be the one deciding all additional drivers. As the main policyholder, you can add secondary drivers if they:

  • Are a family member.
  • Live at the same home address.
  • Use the car regularly.

Drivers you may need to add include:

  • Spouse
  • Roommates
  • Teenage drivers
  • Family members living with you

Contact your insurance company if you have a question or special situation. Some insurance companies may require you to add friends or family members who use your car but don’t live at your address.

If the person who uses the car most is listed as an additional driver, it is known as “fronting”. This is illegal and may invalidate your policy, and even land you in court.

What are drivers on my policy covered for?

Any additional or named drivers will get the same level of cover as the main policy holder. What the policy covers depends on the kind of policy the main policy holder has bought.

Frequently asked questions


 

*51% of consumers could save £200. To get this figure, aggregator Seopa selected quotes from popular providers and others, weighting according to market share, and compared the cheapest with the cheapest on its system. Your savings will depend on your own circumstances.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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