Does adding named drivers lower your car insurance?

Does adding named drivers lower your car insurance?

When considering ways to reduce your car insurance premiums, adding named drivers to your car insurance policy emerges as a "hidden" strategy that warrants a closer deep-dive. The named driver approach involves listing additional drivers on your policy who are permitted to drive your vehicle under the insurance coverage. It's a common misconception that adding more drivers automatically leads to higher premiums due to increased risk. However, under certain circumstances, this method can actually result in cheaper car insurance prices.

Understanding the Impact of Adding Named Drivers

Insurers calculate premiums based on risk, including vehicle brand, vehicle model, vehicle colour & other dependencies. When you add a named driver with a solid driving history and considerable experience, it can signal to insurers that the vehicle is being driven by responsible individuals, potentially lowering the perceived risk, therefore resulting in cheaper car insurance pricing. This is particularly relevant when the additional driver is older or has a long, claim-free driving record.

Conversely, adding young or inexperienced drivers might increase the risk factor, potentially elevating the premiums. Each insurance provider has its own criteria for assessing risk, making it crucial to shop around and compare how different insurers either directly or through the use of car insurance comparison sites, respond to adding named drivers.

Adding a Named Driver Considerations

  1. Driver Profile: The age, driving history, and even the occupation of the named driver can influence your premiums. An experienced driver with no history of claims is likely to be viewed more favourably than a young, inexperienced driver.

  2. Frequency of Use: How often the named driver will be using the car also plays a role in managing risk. Occasional use by a named driver is different from sharing driving duties equally.

  3. Insurance History: The insurance history of the named driver, including any no-claims bonuses, can also affect the overall cost.

What're the Pros and Cons of Adding a Named Driver?


  • Risk Distribution: The risk is perceived to be spread across multiple drivers, which can be favourable for the policyholder.
  • Flexibility: It provides flexibility and legality for other drivers to use the vehicle, which can be convenient for families, spouses or shared vehicles.


  • Potential Cost Increase: Depending on the named driver's profile, there could be an increase in the premium.
  • Complexity: The policy becomes more complex with additional drivers, which might complicate claims or future changes to the policy.

Common Questions About Named Drivers

  • Can I add anyone as a named driver?
    While you can add most licensed drivers, their relationship to you and their driving record can impact your premiums.

  • Does adding a named driver affect their no-claims bonus?
    Being a named driver on another policy typically doesn't affect a person's no-claims bonus on their own policy.

  • What happens if a named driver has an accident?
    It could affect the no-claims bonus on the policy, potentially increasing future premiums.

Adding a named driver to your car insurance policy can be a double-edged sword, with the potential for both savings and increased costs. The key lies in carefully considering the profile of the additional driver and consulting with your insurance provider to understand the implications. Regularly reviewing your policy and comparing quotes after changes can ensure you continue to receive the best value.