Named Driver
Car Insurance
Named Driver
Car Insurance
Add specific people to your car insurance policy, giving them legal permission to drive your vehicle with full comprehensive coverage. Perfect for families sharing vehicles
Add specific people to your car insurance policy, giving them legal permission to drive your vehicle with full comprehensive coverage. Perfect for families sharing vehicles
*Based on April 2022 figures 71% of new business customers could have received free car insurance if 10 referred friends purchased a new business policy. Prices subject to minimum premiums. Reward Credits amounts can vary. Terms and Conditions apply
*Based on €50 online discount off this year’s policy and 50 reward credits worth €50 off your renewal premium next year. Prices subject to minimum premiums. Reward Credits amounts can vary. Terms and Conditions apply
*Based on €50 online discount off this year’s policy and 50 reward credits worth €50 off your renewal premium next year. Prices subject to minimum premiums. Reward Credits amounts can vary. Terms and Conditions apply
*Based on €50 online discount off this year’s policy and 50 reward credits worth €50 off your renewal premium next year. Prices subject to minimum premiums. Reward Credits amounts can vary. Terms and Conditions apply
How Named Driver Insurance Works
How Named Driver
Insurance Works
A named driver insurance policy explicitly lists every person authorised to drive the insured vehicle. If someone not named drives your car and has an accident, they will not be covered under your car insurance policy. The vehicle’s owner must be the main policyholder and primary driver on the policy.
Explicit Authorisation
Explicit Authorisation
Your policy explicitly lists every person authorised to drive your insured vehicle. Each named driver receives the same comprehensive coverage as the main driver.
Your policy explicitly lists every person authorised to drive your insured vehicle. Each named driver receives the same comprehensive coverage as the main driver.
Main Driver Priority
The main driver is typically the person who uses the car most frequently, while additional drivers are family members, spouses, or other regular users.
No Unlisted Coverage
If someone not named on your policy drives your car and has an accident, they will not be covered under your car insurance policy.
Main Driver Priority
The main driver is typically the person who uses the car most frequently, while additional drivers are family members, spouses, or other regular users.
No Unlisted Coverage
If someone not named on your policy drives your car and has an accident, they will not be covered under your car insurance policy.
How Named Driver
Insurance Works
A named driver insurance policy explicitly lists every person authorised to drive the insured vehicle. If someone not named drives your car and has an accident, they will not be covered under your car insurance policy. The vehicle’s owner must be the main policyholder and primary driver on the policy.
Cost Impact of Adding Named Drivers
Many car insurance customers find they can save money by adding a parent as a named driver, especially younger drivers facing high initial premiums.
Many car insurance customers find they can save money by adding a parent as a named driver, especially younger drivers facing high initial premiums.
Many car insurance customers find they can save money by adding a parent as a named driver, especially younger drivers facing high initial premiums.
Cost Impact of Adding Named Drivers
Named Drivers
Named Drivers
Named Drivers
Lower Premiums
When Adding:
Higher Premiums
When Adding:
Experienced drivers with clean driving history
Experienced drivers
with clean driving
history
Experienced drivers
with clean driving
history
Parents or older family members
Parents or older
family members
Parents or older family
members
Drivers over 25 with five years of driving experience
Drivers over 25
with five years of
driving experience
Drivers over 25 with
five years of driving
experience
Young drivers or new drivers
Young drivers or
new drivers
Young drivers or
new drivers
Inexperienced drivers under 25
Inexperienced
drivers under 25
Inexperienced drivers
under 25
Anyone with claims history or driving violations
Anyone with claims
history or driving
violations
Anyone with claims
history or driving
violations
Lower Premiums When Adding:
Lower Premiums When
Adding:
Lower Premiums When Adding:
Higher Premiums When Adding:
Higher Premiums When
Adding:
Higher Premiums When Adding:
Top Tip: Save Money by Adding the Right Drivers!
Top Tip: Save Money by Adding
the Right Drivers!
Top Tip: Save Money by Adding the Right Drivers!
Adding drivers to your car insurance policy can actually reduce your premium! Many customers save money by adding a parent as a named driver, especially younger drivers facing high initial premiums.
Adding drivers to your car insurance policy can actually reduce your premium! Many customers save money by adding a parent as a named driver, especially younger drivers facing high initial premiums.
Adding drivers to your car insurance policy can actually reduce your premium! Many customers save money by adding a parent as a named driver, especially younger drivers facing high initial premiums.
Named Driver Insurance Benefits
How Named Driver
Insurance Works
A named driver insurance policy explicitly lists every person authorised to drive the insured vehicle. If someone not named drives your car and has an accident, they will not be covered under your car insurance policy.
Comprehensive Coverage
Comprehensive Coverage
Named drivers receive full comprehensive cover, including theft protection and accident coverage at the same level as the main policyholder.
Named drivers receive full comprehensive cover, including theft protection and accident coverage at the same level as the main policyholder.
Named drivers receive full comprehensive cover, including theft protection and accident coverage at the same level as the main policyholder.
Flexibility
Perfect for families sharing vehicles or couples who both need to drive the same car occasionally.
Perfect for families sharing vehicles or couples who both need to drive the same car occasionally.
Perfect for families sharing vehicles or couples who both need to drive the same car occasionally.
Cost Control
Adding low-risk drivers can reduce overall insurance costs, while you maintain complete control over who's covered under your policy.
Adding low-risk drivers can reduce overall insurance costs, while you maintain complete control over who's covered under your policy.
Adding low-risk drivers can reduce overall insurance costs, while you maintain complete control over who's covered under your policy.
Flexibility
Perfect for families sharing vehicles or couples who both need to drive the same car occasionally.
Cost Control
Adding low-risk drivers can reduce overall insurance costs, while you maintain complete control over who's covered under your policy.
How Named Driver
Insurance Works
A named driver insurance policy explicitly lists every person authorised to drive the insured vehicle. If someone not named drives your car and has an accident, they will not be covered under your car insurance policy.
Important Limitations to Consider
A named driver insurance policy explicitly lists every person authorised to drive the insured vehicle. If someone not named drives your car and has an accident, they will not be covered under your car insurance policy.
A named driver insurance policy explicitly lists every person authorised to drive the insured vehicle. If someone not named drives your car and has an accident, they will not be covered under your car insurance policy.
Important Limitations to Consider
No Claims Discount
Named drivers typically don’t build their own no claims bonus or claims discount, even after years of claim-free driving. The no claims discount stays with the main policyholder.
Named drivers typically don’t build their own no claims bonus or claims discount, even after years of claim-free driving. The no claims discount stays with the main policyholder.
Limited Coverage
Named driver insurance offers no protection for unlisted drivers, even in emergencies.
Named driver insurance offers no protection for unlisted drivers, even in emergencies.
Age Restrictions
Most insurers impose age restrictions and may limit the number of named drivers per policy.
Most insurers impose age restrictions and may limit the number of named drivers per policy.
Important Limitations to Consider
A named driver insurance policy explicitly lists every person authorised to drive the insured vehicle. If someone not named drives your car and has an accident, they will not be covered under your car insurance policy.
When Named Driver Insurance Makes Sense
When Named Driver Insurance Makes Sense
Consider named driver insurance if you:
Consider named driver insurance if you:
Share a vehicle with family members regularly
Want to help a young driver gain experience
while keeping costs manageable
Need your spouse or partner covered for occasional
driving
Prefer knowing exactly who’s covered rather than
relying on limited coverage provisions
Ready to Get Started?
Ready to Get Started?
Named driver car insurance provides clear, comprehensive protection when multiple people need to drive the same vehicle. Understanding the benefits and limitations helps you decide if it's the right fit for your situation and driving needs.
Named driver car insurance provides clear, comprehensive protection when multiple people need to drive the same vehicle. Understanding the benefits and limitations helps you decide if it's the right fit for your situation and driving needs.
Getting the Right Named Driver Policy
Getting the Right Named Driver Policy
Be honest about who drives the car most – listing a low-risk
person as the main driver when a high-risk person
actually drives most constitutes fraud.
Consider the long-term impact: While adding a family member
might seem cost-effective initially, they'll miss out on building
their own claims bonus for future motor insurance policies.
Evaluate your options: Consider whether named driver insurance
or separate individual policies work better in the long run for your
specific situation.
Getting the Right Named Driver Policy
Be honest about who drives the car
most – listing a low-risk person as
the main driver when a high-risk
person actually drives most constitutes
fraud.
Consider the long-term impact: While
adding a family member might seem
cost-effective initially, they'll miss out
on building their own claims bonus
for future motor insurance policies.
Evaluate your options: Consider whether
named driver insurance or separate
individual policies work better in the
long run for your specific situation.
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Named Driver
Car Insurance
Add specific people to your car insurance policy, giving them legal permission to drive your vehicle with full comprehensive coverage. Perfect for families sharing vehicles
Get Quote Today
When Named Driver Insurance Makes Sense
Consider named driver insurance if you:
Share a vehicle with family members
regularly
Want to help a young driver gain
experience while keeping costs
manageable
Need your spouse or partner covered
for occasional driving
Prefer knowing exactly who’s covered
rather than relying on limited coverage
provisions