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.
| Response | Male | Female |
|---|---|---|
| Yes | 42.66% | 36.6% |
| No | 23.37% | 18.07% |
| I already have someone else named on my car insurance | 15.76% | 17.02% |
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.
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:
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.
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:
Drivers you may need to add include:
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.
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.
Direct Line and NFU Mutual are just two of the big car insurers not on comparison sites. So is it worth going direct?
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