Named driver: What does it mean?

A is an additional driver who’s been added to a car insurance policy, for example your partner or child.

Named driver: The long answer

A named driver refers to an additional driver who is added to an insurance policy alongside the main policyholder. In the UK, it is common for car insurance policies to allow the policyholder to add one or more named drivers to their policy.

The purpose of a named driver is to provide legal coverage and protection for individuals who regularly drive the insured vehicle. This can include family members, friends, or anyone who frequently uses the car. By adding a named driver, they become legally covered by the insurance policy and can drive the vehicle without any issues.

It's important to note that the main policyholder is usually the primary driver and the named driver is considered an additional driver. The premium for the insurance policy may be influenced by the age, driving experience, and claims history of both the main policyholder and the named driver. If a named driver has a poor driving record or a history of accidents, it may affect the overall cost of the insurance premium.

It is crucial for UK drivers to accurately declare all named drivers on their insurance policy. Failing to do so or providing false information can result in insurance companies refusing to pay out in the event of a claim, which can lead to legal consequences and potential financial loss.

Overall, the concept of a named driver in the UK serves to ensure that all individuals who regularly drive the insured vehicle are legally covered by the insurance policy.