Compare Named Driver Car Insurance

Named Driver Car Insurance – Compare Cheap Quotes

Named driver car insurance, sometimes referred to as second driver insurance, is a multi-driver insurance policy where one policyholder (the one who will do the bulk of the driving in the vehicle being insured) is recognised as the ‘main driver’, while other drivers that are insured to use the car less frequently are classed as ‘named drivers’.

In most cases insurance providers will assess the risk profile of each driver on a policy in order to calculate their premiums, but because named drivers are expected to account for a smaller percentage of the driving their risk profiles sometimes have less of an impact. It’s still vital that you provide accurate information about the named driver when you’re signing up for a multi-driver insurance policy, though, because you could have your insurance cancelled if you fail to disclose something pertinent.

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Does the owner of the car have to be the main driver?

No, not necessarily.

The registered keeper of the car (meaning the person who is registered with the DVLA as the person responsible for the vehicle) will usually be the main driver on the car insurance policy, but it is possible that the owner of the car and its registered keeper might be different.

For instance, a company car would be owned by the company but the registered keeper might be the employee the car is issued to.

However, in the vast majority of cases the owner, the registered keeper and the main driver on the insurance will be the same person.

Can a learner driver be a named driver?

Yes, many car insurance providers allow learner drivers to be added to a parent’s or family member’s policy as a named driver.

However, if the learner driver is the owner of the car they will usually have to be insured as the main driver rather than the named driver, which would probably mean they’d need their own standalone provisional driver insurance policy.

Does the main driver on a multi driver insurance policy have a bigger impact on the premium than a named driver?

Yes, car insurance providers will assume that the main driver will do the bulk of the driving, which means that particular motorist’s driving record, occupation, age etc will have a bigger impact on the premium calculation.

Can young drivers get better quotes by listing a more experienced motorist as the main driver?

Yes, but you should only list the older driver as the main driver if they actually are going to do the bulk of the driving. If the younger driver is actually likely to drive the car more often but you list them as a named driver you’d be committing a type of insurance fraud known as ‘fronting’, which could result in a large fine and a criminal record.