Joint car insurance

If you're searching for a way to lower your high car insurance premiums, adding an experienced driver may help.

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Joint car insurance doesn’t really exist in the UK but that doesn’t mean that two people can’t share a car insurance policy. In fact, adding a named driver to your existing policy or you being added to someone else’s policy may help to lower the overall premiums. Read our guide to see if you could save money by adding a driver to your policy.

What is joint car insurance and how does it work?

Although joint car insurance isn’t available for UK drivers, a driver paying high premiums can choose to add a named driver to their policy, especially if that named driver has plenty of experience and a blemish-free record. This could lower the overall premiums. However, it can’t just be in name, as the experienced driver will actually have to drive the car in order for the cover to be valid.

It’s also important that the person using the car the most is registered as the main driver. Simply pretending that a more experienced driver is the main driver in order to avoid paying high premiums is insurance fraud otherwise known as “fronting” and is illegal in the UK.

Here’s an example: a student living at home is paying one of the highest premiums on the market associated with being a young and new driver. As the driver’s mother would also like to drive the car, the driver decides to add her experienced mother as a named driver to the existing policy. The insurance provider now takes into consideration the two drivers using the car: the main high risk driver and the extremely low risk named driver. The new premium is lower because the overall risk has dropped slightly now that the high risk driver isn’t driving all 100% of the time so everyone is happy.

Pros and cons of joint car insurance

  • Adding an experienced driver to a policy could see premiums drop.
  • Adding a high risk driver to a policy could see premiums rise.
  • Pretending that an experienced driver is the main driver of the car when they are not is known as “fronting” and is illegal in the UK.

Bottom line

In order to decide whether an insurance premium will be cheaper by adding a named driver to your policy, or choosing to be added as a named driver on someone else’s policy, you’ll need to compare insurance quotes and look at the cover being offered.

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*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

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