Trustpilot
Show More

Ask an Expert

Does a named driver need their own policy?

You may be aware of named driver insurance and the fact that having more than one driver for any particular vehicle could save you both on your premiums. But does the named driver, or additional driver, need their own policy?

Adding a named driver means including another individual in an existing car insurance policy. This means they have exactly the same level of cover as the main driver, aka the person who owns the car. So, the named driver does not need their own policy, as they are covered by the main driver’s one

But there are some situations when it’s not possible to add someone as a named driver. In this instance, they would need to take out their own insurance to get behind the wheel of a car.

Sometimes, fully comprehensive policies may have a ‘driving other people’s car’ clause, which allows them to operate another vehicle without needing to be added as a named driver, or take out a different policy. This is rare, however, so always make sure you are covered before getting behind someone else's wheel.

*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Related guides

UK Driving Licence Explained

As you know, you need a licence to drive cars on British roads. But take a look at your licence and you might see a lot of information on there that you might not understand. This guide explains what is on your driving licence, the different types of driving licences, and why it is important to know what everything means.

Safety Tips for Driving In Winter

Driving in winter can be unpredictable and dangerous. Weather conditions can change very quickly, making normal driving unsafe. However, you needn’t lock yourself in over the winter months. As long as you take the right steps to prepare, and respect the roads while driving, it’s perfectly possible to keep to your normal routine. This guide tells you all you need to know about winter driving, how best to prepare for and drive on winter roads, and what you can do to ensure you’re insured.