Question: What Is The Difference Between A Named Driver And An Additional Driver?

Can a named driver be the main driver?

As a named driver you will be given the same level of cover as the vehicle’s main driver.

Named driver policies are only appropriate if the named driver is not the main driver (main user) or the owner of the vehicle.

Named drivers should be careful to avoid ‘fronting’, a form of insurance fraud..

How do I prove named driver experience?

Once you buy your policy, you will need to provide us with proof of your named driving experience. To do this you will need to send us a letter from each of your previous insurers to show the period you were a named driver on each policy and prove you were claim free.

Who should be the main driver on car insurance?

The main driver is typically the owner or registered keeper of the vehicle but not always. If you’re in any doubt, ask your insurance provider.

Is an additional driver the same as a named driver?

A named driver is someone who is insured to drive a vehicle in which another person does most of the driving. When driving that vehicle, the named driver will have the same level of cover as the main driver. They may also be referred to as an additional driver.

How many additional drivers can I add?

You can usually add up to four. Contact your insurer and tell them you want to add another driver to your policy. You’ll probably have to pay a fee for making changes to your policy, even if the price of your premium doesn’t change.

Is additional driver free with Hertz?

Hertz: There is a per day charge for all additional drivers, but if you are a member of Hertz Gold Plus Rewards, the fee is waived for a spouse or domestic partner.

Does a named driver need their own insurance?

The named driver will benefit from the same level of insurance cover as you while driving your vehicle. … Remember that, if you are the owner and the main driver of the vehicle, it is a legal requirement that the insurance policy be under your name.

How many named drivers can you have?

Adding a named driver to policy can reduce your premiums, as well as making it cheaper for the named drivers to be insured, especially if they’re a young driver. Some insurers will allow you to add up to three named drivers to your policy.

Can you be a named driver on 2 policies?

Yes, if as an additional driver you have your own policy, then you should tell your insurer that you are covered to drive another vehicle as an additional driver.

Can a named driver drive the car all the time?

Being a named driver on an insurance policy means you will have the same level of cover as the main driver, but aren’t expected to be driving as much. It is usually normal for households to have named drivers on their car insurance policies if they need to share the same vehicle from time to time.

Do additional drivers get no claims?

Named drivers can’t usually build up a no claims discount. Although they can build their own if they’re insured as the main driver on their own car. Some insurance providers may give a named driver a discount – provided they take out their own policy at a later date.

What does an additional driver mean?

Named driver insurance, also called additional driver insurance, refers to the cover someone gets when they’re added to your car insurance policy. It means you’ve told your insurance provider that someone other than you might drive your car.

Will my car insurance go up if I add another driver?

If you’re a young or new driver, adding someone more experienced to your policy could actually get you a cheaper premium. … Additional drivers should only be added if they do drive the car occasionally. And you should be the main driver.

Can the main driver be different to the policyholder?

Generally, insurance policies are set up with the policyholder also being the main driver of the car. It’s worth noting that it’s illegal for anyone other than the main driver to be placed as the policy holder, this is ‘fronting’.

Can you be main driver on a car you don’t own?

In some circumstances, yes, you can insure a vehicle you don’t own, but it’s difficult to become the primary policyholder on a car that’s not yours. And it’s extra tricky to get coverage if you don’t live with the vehicle’s owner. (We can help you easily compare car insurance quotes.)