We know that sometimes you need to add extra drivers to your car insurance policy. It’s important to understand how this change can affect your cover and premium.
Many people add named drivers to their insurance policy to share driving responsibilities, make coverage more flexible, and provide legal access to their vehicles for family members or friends. However, this can influence both the level of coverage and the premium you pay.
Save on premiums for young or inexperienced drivers
Insurance companies like to see the risk shared amongst drivers, so they'll be happier knowing that an experienced driver with a clean driving record is part of the mix.
Younger drivers or those with limited experience generally raise premiums due to being classified as higher risk. Similarly, a driver's previous claims, driving violations, or penalty points can significantly influence the calculation of the premium.
Adding a driver is completed during the car insurance quotation process. To proceed, locate the section where it inquires, "Would you like to add any additional drivers?" and provide details like name, date of birth, license type, and relationship to the main driver. It's important to provide accurate information before saving and continuing with the form.
It's important to be honest and transparent about who is using your car the most. We understand that adding an experienced driver as the main driver may seem like a good way to lower your premium, but it's important to note that this is considered 'fronting' and can be considered a form of fraud. Not only could this result in a cancelled policy and a denied claim, but it could also lead to legal consequences. We want to make sure you have the best coverage possible, so please let us know if you have any questions or concerns about your policy. We're here to help!