Are you thinking of adding another driver to your car insurance policy? Whether it’s for convenience or necessity, this in the UK is a common practice. Let's explore how this works, what you need to consider, and the potential impact on your premiums.
Adding another driver to your policy is quite straightforward. You'll need to inform your insurer about the new driver’s details, including their driving history, age, and any previous claims or convictions.
Almost anyone can be added to your car insurance policy as long as they have a valid driving licence. This includes:
There are several benefits to adding another driver to your policy:
Adding an additional driver can affect your premiums in various ways. If the new driver is experienced with a clean driving record, your premiums might decrease. However, adding a young or inexperienced driver could increase your premiums due to a higher risk factor.
Depending on your needs, you can add a driver on a temporary or permanent basis. Temporary additions are ideal for situations like a friend borrowing your car for a short period, whereas permanent additions are more suited for family members who regularly use the car.
You'll need to provide certain information about the additional driver, including:
Fronting is when a more experienced driver, such as a parent, falsely claims they are the main driver of a car when the real primary driver is a less experienced or younger person. This is illegal and can lead to serious consequences, including policy cancellation and prosecution.
Contact your insurance provider to add another driver. You can usually do this over the phone or online. The insurer will then reassess your policy based on the new driver’s details.
If the additional driver's circumstances change, such as receiving driving convictions or being involved in accidents, you must inform your insurer immediately as this can affect your cover.
If an additional driver makes a claim on your policy, it could affect your no claims bonus unless you have protected it. Some policies allow for an NCB for named drivers, but this varies between insurers.
If adding an additional driver significantly increases your premiums, it might be worth shopping around to see if other insurers offer a better rate.
Adding an additional driver to your car insurance policy can be a wise move for many reasons, but it's important to understand how it affects your insurance. Providing accurate information and keeping your insurer informed of any changes ensures that your policy remains valid and provides the necessary cover for all drivers of your vehicle.
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