Understand the difference between naming a driver and arranging separate temporary cover.
Understand the difference between naming a driver and arranging separate temporary cover.
An existing policyholder may be able to add another named driver, subject to the main insurer’s rules. Alternatively, a driver may be eligible for a separate short-term policy. These are distinct arrangements and may have different effects, excesses and restrictions.
An insurer may need the additional driver’s age, licence history, driving experience and convictions or claims history. The vehicle owner’s permission and the proposed use also matter. Incorrect answers can affect cover.
Ask whether the temporary arrangement changes the owner’s main policy or claims position; do not assume the answer. Review exactly which person is insured to drive, for which period, and whether a business or commuting journey is permitted.
A separate policy does not automatically alter the annual policy. Ask the relevant insurer for the precise arrangement.
Only drivers specifically covered under the relevant policy and accepted by the insurer.