If you ever want to hand over your car keys so that your spouse can nip to the shops or give you a lift somewhere, then you’ll need to add them to your car insurance as a named driver.
Read on to discover what the implications of being a named driver are, the level of cover they’ll get and how to add them onto your policy.
If you want to extend your car insurance cover to a partner, relative, or friend so that they can drive your car occasionally, this is known as named driver insurance. The second driver can be anyone with a valid UK license.
The main driver on an insurance policy is the person who owns the car and drives it the majority of the time, so if you take the wheel of your car most often then that would be you. If someone else drives your car more than you, they can be the main driver on your policy and you can be a named driver but they must live at the same address as you.
Once you add a named driver to your insurance policy, they will have the same level of cover as you do. For instance, if you have Saga Plus cover, any additional drivers will do too. Your named driver will also be covered by any extras you have, like our breakdown cover.
Adding a named driver could change your insurance premiums, depending on their age, employment status, how long they’ve held a license for and their relationship to you.
If you’re an experienced driver and you add a younger named driver to your car insurance policy, such as a son or daughter, then your premiums may go up because inexperienced motorists are statistically more likely to be involved in an accident.
However, this would make premiums cheaper for them compared to having their own policy, as if they’re sharing a car it’s assumed they’ll spend less time driving.
If you add someone who is a more experienced driver than you, with a good claims history, this could potentially reduce your premium as they have less risk associated with them than you.
Your existing No Claim Discount will not be affected by adding a named driver unless they have an accident. If they do, you’ll have to make a claim as the main driver, which could affect your No Claim Discount.
If you’re adding another motorist as your named driver, they won’t be able to build up their own No Claim Discount.
When a person ‘fronts’ a car insurance policy, they falsely claim to be the main driver of a vehicle, when it’s actually someone else who does most of the driving.
Fronting is often done by an older person to make car insurance premiums cheaper for someone who has less driving experience.
Fronting is illegal and if a motorist is found to be falsely naming themselves as the main driver of a car, their insurance policy can be invalidated and it can result in police prosecution.
There's plenty to explore and learn about our car insurance cover.
If you’re thinking of driving towards a greener future, here’s what you need to know about electric car insurance.
The UK has some of the best road trip destinations in the world. But which road trips are best suited to electric cars and the specific model you have? We’ve analysed things like distance and availability of charging points along the best roads the UK has to offer.
Your needs and experience catered for, with over 50s car insurance from Saga
Flexible policies for over 50s, for breakdown cover you can rely on.
Drive in over 30 European countries for as long as you like, ready for anything with our handy guide to driving abroad.
When you want to enjoy the freedom of the open road, we’ve got you covered, with comprehensive insurance tailored to you.
Electric vehicles have the potential to transform the places where we live and work. But which UK cities are best prepared for the EV revolution? We surveyed UK drivers to find out why they are (and aren’t) looking to push the accelerator on buying an electric car.
Need help? Take a look through our most frequently asked car insurance questions - you may find the answer you're looking for.
A simple guide to GAP insurance – what is it and when do you need to consider it?
Putting the wrong type of fuel in your car an easy mistake to make. Here’s what to do if it happens to you…
You’ll be back on the road in no time with a courtesy car to keep you mobile while yours is being repaired.