No. Being listed as a named driver on someone else’s policy does not affect your own car insurance if you are involved in a road traffic accident. If you were to have a car accident while driving another person’s car as a named driver, you would need to claim on the main driver’s insurance policy.

How does second driver insurance work?

Named driver insurance (sometimes called additional driver insurance) is cover for extra drivers added to your car insurance policy. It means the people you add can legally drive your car – you don’t have to be in it either. Named drivers usually have the same level of cover as the policyholder.

Do you have to have insurance to drive someone elses car?

Some car insurance policies will give you cover for driving someone else’s car without having to be a named driver – however you’re likely to only get third-party insurance. For more comprehensive cover you’ll need to be a named driver.

What happens if I add another driver to my insurance policy?

Adding somebody else as the main driver even though they don’t drive the car often, is known as fronting, and can invalidate your policy. If you would like to add a named driver to your existing car insurance policy, get in touch with your provider.

Can a spouse remove the named insured on a car insurance policy?

It is important a driver knows when they are being removed from a policy, and divorce is no exception. Legally, one spouse cannot remove the other as the named insured on a car insurance policy. The one being removed must do it themselves or give their explicit permission.

Can you add your name to someone else’s car insurance policy?

It’s also possible to get your name added to someone else’s policy: as a young driver, you could add your name to your parent’s car insurance policy. Having done this, you are perfectly within the law to use that car.