Does Car Insurance Cover Other Drivers?

If you’ve taken out car insurance, you’re probably pretty confident on what your car is covered for. But what about other drivers? Are they covered? Canstar explains when car insurance covers other drivers.

Does car insurance cover other drivers?

If you have someone listed as an “insured driver” on your insurance policy, they’re covered to drive your car as long as they meet the conditions outlined in your policy. It’s a good idea to add anyone who regularly drives your car to your policy to ensure they’re covered properly.

Some insurance policies will cover drivers who aren’t listed on your policy, as long as they are legally able to drive and have your permission to use your vehicle. Some policies automatically cover household members who are licensed drivers, even if they’re not listed on the policy. This usually applies to relatives living in the same household. However, not every policy allows this, so it pays to check before handing over your keys.

What about under 25s?

Inexperienced drivers and those under 25 are generally considered a higher risk by insurance companies, and often incur higher premiums as a result. And, unfortunately, the same situation applies for young drivers added to other drivers’ policies.

If you’re under 25 and learning to drive, getting listed as a named driver on your parents’ insurance policy is recommended – especially if you’ll be driving their vehicle regularly. Although this will mean your parents’ premiums will increase, if you damage their vehicle and aren’t listed as a named driver on their policy, the claim may not be covered.

However, if you have your own car, of which you are the main driver, you will have to take out your own insurance policy. Insuring the car with an older driver listed as the main driver will likely void your policy in the event of a claim.

What if I don’t give the driver permission to use my car?

If someone drives your car without permission, your insurance may not cover them. This is considered “non-permissive use,” and the driver will likely be personally responsible for any damages they cause.

How do I add another person to my insurance?

To add another person to your car insurance policy, you’ll need to contact your insurance provider. Some providers will allow you to update your policy by yourself, via a website or app. If this isn’t an option, you can call or email your provider. Your provider’s contact details should be listed on your policy.

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About the author of this page

This report was written by Canstar Content Producer, Caitlin Bingham. Caitlin is an experienced writer whose passion for creativity led her to study communication and journalism. She began her career freelancing as a content writer, before joining the Canstar team.

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