NAMED DRIVER INSURANCE

Who is the main driver on a car insurance policy?

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.

How does a named driver affect your insurance premiums?

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.

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.