Adding named drivers to your policy is an option, but what’s the impact? Here’s what you need to know:
Benefits:
Sharing a car with other responsible drivers can help spread the driving duties, potentially reducing the risk of accidents.
Impact on cost:
Adding experienced drivers with a clean driving record may lower your premium. However, adding inexperienced or high-risk drivers can increase your premium.
Temporary additions:
Some insurers allow you to add drivers temporarily, which can be useful for occasional car sharing or when a friend borrows your vehicle.
Remember, the named drivers must use the car only occasionally, and the main driver should be the person who uses the vehicle most frequently. Misrepresenting this information can be considered “fronting,” which is a form of insurance fraud.
