NAMED DRIVER INSURANCE
Need some backup? Adding a named driver to your insurance policy is easy.
Add flexibility to your driving plans with named driver insurance
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.
What is named driver car insurance?
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.
Who is the main driver on a car insurance policy?
The main driver on an insurance policy is the person who drives it the majority of the time, so if you take the wheel of your car most often then that would be you.
What kind of cover will the named driver have?
Once you add a named driver to your insurance policy, they will have the same level of core 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.
However, there may be restrictions on what your named driver can use your car for. Unless they are your spouse or partner, cover will be limited to social, domestic, and pleasure use only.
How does a named driver affect your insurance premiums?
Adding a named driver could change your insurance premiums, depending on things like 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.
How does a named driver affect your no claims discount?
Your existing no claims discount will not be affected by adding a named driver unless they have an accident in your car. If they do, you’ll have to make a claim on your policy, which could affect your no claims discount.
If you’re adding another motorist as your named driver, they won’t be able to build up their own no claims discount.
What is fronting?
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.
How do I add a named driver to my car insurance policy?
If you’d like to add another driver to your car insurance policy, simply contact us. All you’ll need is their name, date of birth, occupation, and details of their driving history.
Who provides Saga Car Insurance?
Saga Car Insurance is arranged and administered by Ageas Retail Limited and underwritten by Ageas Insurance Limited.
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