Named driver car insurance does mean

Named driver policies are only appropriate if the named driver is not the main driver main user or the owner of the vehicle. In some cases your own motor insurance policy may cover you for driving another persons vehicle providing they also have insurance. Additional drivers should only be added if they do drive the car occasionally. Named driver insurance also called additional driver insurance refers to the cover someone gets when theyre added to your car insurance policy. Basically named driver means an additional driver to your car insurance policy.

Adding a named driver can reduce your premium as it assumes youll be spending less time driving the car. If its a new policy, then they can simply provide your details when they take out the cover. Due to a provision in your car insurance policy called an omnibus clause, your insurance will cover any driver, family member who lives with you, and even your dependent children away at school, so long as they have your permission to drive your vehicle. Named driver insurance sometimes called additional driver insurance is cover for extra drivers added to your car insurance policy. Named driver car insurance comparison compare the market. A type of insurance fraud, fronting is where drivers try to save on their insurance by having a car insured in a more experienced drivers name most likely a parent.

Named insured drivers on a car insurance policy are the only drivers fully covered in the event of an accident. Permissive use, while not always standard, is a common feature of car insurance policies. Named driver car insurance is generally useful for younger drivers who already face high premiums because of their age and associated risk factor. Adding a named driver to your insurance policy rac. While the definition of infrequent may vary, it typically pertains to a driver who uses the vehicle less than 12 times a year. As a named driver you will be given the same level of cover as the vehicles main driver. You can be added to any car insurance as an added driver, meaning you can drive that car with the same benefits as the cars owner. This means that if this person is driving the car, he or she will be insured in the case of an accident, and covered if there is any damage to the. It means youve told your insurance provider that someone other than you might drive your car. Hi, no if you take out the policy and it is yours and covers you then it is your policy as the main driver. If you drive someone elses vehicle then you will not be covered by their the main driver motor insurance policy you must become a named driver on their. Excluding a driver from your car insurance might sound like the same thing as removing someone from a policy. The key difference between a named driver policy and a standard car insurance policy is permissive use.

Compare additional named driver insurance gocompare. You, as the main driver, and any named drivers will all be legally allowed to drive your car. If for example you wanted to insure a friend or a relative on your car as well as yourself, they would be the named driver. The named driver will benefit from the same level of insurance cover as you while driving your vehicle. Named driver insurance does adding a named driver reduce my. Add a named driver to your insurance policy money expert. They also have control over the policy and are they only ones authorized to make changes. A named driver is someone who is insured to drive a vehicle in which. Named drivers should be careful to avoid fronting, a form of insurance fraud.