Car insurance two named drivers

 · Always check this with your provider before adding a named driver though because, although it’s rare, some companies may not offer the same level of cover for both drivers as standard. Read our full guide to the different types Estimated Reading Time: 10 mins. If you drive someone else’s vehicle then you will not be covered by their (the main driver) motor insurance policy – you must become a named driver on their policy. As a named driver you will be given the same level of cover as the vehicle's main driver.  · Co-operative Insurance is one of only a few insurers to offer named drivers up to three years No Claim Discount (NCD) when they apply for their own policy with us – this could be worth up to 65% off their premium.

Usually, the additional driver is someone who lives with the named insured. They may regularly drive the vehicle on the policy, which is registered under the named insured’s name. Their driving record will be used to help set the premiums because the insurance company will consider them to be a potential driver of the vehicle on a regular basis. Named driver insurance, sometimes known as additional driver insurance, is the additional cover that can be extended to other drivers on your car insurance policy. You, as the main driver, and any named drivers will all be legally allowed to drive your car. 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. Standard car insurance policies usually come with some form of permissive use, which means unnamed drivers have some protection under your policy while driving your car. In a named driver policy, or a named operator policy, only drivers explicitly named in the policy are covered. If someone else who is not listed on your policy drives your vehicle, they will not be covered, and neither will your car. There is usually a limit on the number of named drivers who can be added to a single policy.

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