How Does Additional Driver Insurance Work?

Is it worth protecting your no claims?

It depends on your personal situation whether it’s worth protecting your no claims discount.

If you have five years’ no claims discount, it will significantly cut the cost of your car insurance.

You could lose all that for just one accident.

By protecting your no claims discount, you’ll be locking in that discount..

Is it bad to let someone else drive your car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that’d be covering the damages if they were at-fault in an accident while driving your vehicle.

Does it matter who is main driver on car insurance?

That person should be identified as the main driver on any insurance policy. … 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.

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.

Can I be main driver on 2 cars?

Any or all can be designated as secondary drivers. If a household has more cars than drivers, it is possible for one person to be the primary driver for more than one car.

Can 2 people insure the same car?

Don’t worry – you can legally have more than one car insurance policy for the same car – there’s nothing to stop you doing it. And if you take out a second car insurance policy when you already have one, it won’t mean the first policy is void.

Do you lose no claims if someone hits you?

If you make a claim on your policy where your insurer pays out, you’ll generally lose some, or all, of your no-claims bonus. But if you’re hit by another car and it’s agreed that you weren’t at fault, your insurer may be able to reclaim the payout from the other car’s insurer and your NCB may not be affected.

Which car rental companies offer free additional driver?

Rental car companies such as Budget, Avis & Enterprise allow you to add a spouse or domestic partner for free when you rent in the US. Other rental car companies such as Thrifty, Dollar, National, Hertz and Alamo charge you to add an additional driver.

Is it cheaper to add a second driver to insurance?

Adding a named driver often makes the premiums cheaper because it’s assumed you’ll spend less time driving, since the car is shared. This reduces your probability of having an accident and making a claim, which is reflected in cheaper car insurance quotes.

What happens if an additional driver has an accident?

If you have an accident as an additional driver, then you’ll make a claim on the main driver’s insurance, and it will affect their no claims discount. … If someone is added to your insurance, then it will affect your no claims bonus, even if you were nowhere near your vehicle at the time.

Can additional drivers earn 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.

Do named drivers have to declare accidents?

Rebecca Rutt, of This is Money, replies: With car insurance, any claim you make needs to be recorded with your insurer, as this can affect the price of the policy. … This accident will be recorded on his policy and you would only need to declare it if you had him as a named driver on your new policy.