Insurance - RE Additional Drivers

[Diablos-666]

Just doing a bit of insurance hunting and adding 2 family members reduces my premiums by £400.

They live in a seperate property and will never hardly drive my car.

Is this still okay? It can't come back to bite me in the arse can it?

[Camaro]

I was under the impression, additional drivers should be all at the same address. Otherwise you could just add anyone as an additional driver. Am willing to be corrected, but this was my understanding.

[Shaw Tarse]

Camaro said:

I was under the impression, additional drivers should be all at the same address. Otherwise you could just add anyone as an additional driver. Am willing to be corrected, but this was my understanding.

I don't live at mum & dad's, but he insured me on his car when he wanted a 2nd driver on the way to Skye?

[PHmember]

My old man is insured on my cars & the insurance company are well aware of his details & that he lives about 120 miles away from me. No problems & it's brought the premium down a bit. God knows why, there's no way I'd let him loose in the Porsche after he wrote off my 7 Series.

[Nick1point9]

My now wife, my dad and a friend have all been named drivers on my policy at times when we haven't been living at the same address, never questioned where the live.

[Meths]

I do this!


Although, my step-mum takes it as permission for herself and my dad to drive any of my cars. Que TVR facing the wrong way on a roundabout . I only live down the road from them


I just tell them they're not insured on my cars now

Edited by Meths on Thursday 27th December 21:28

[Nick1point9]

Nick1point9 said:

My now wife, my dad and a friend have all been named drivers on my policy at times when we haven't been living at the same address, never questioned where they live.

[Diablos-666]

Thanks guys.

Just wanted to make sure!

[james_gt3rs]

Diablos-666 said:

They live in a seperate property and will never hardly drive my car.

I think it's fine, if the insurers aren't asking how much the named driver will drive the car, what's wrong with having parents on it in case of emergencies?

[Camaro]

Well I'm buggered as to where I picked that up from, but I stand corrected! Sorry for any confusion.

[3sixty]

My parents, 20yrs+ driving and same in no claims added £150 individually or £200 if both on

Go figure.

[james_gt3rs]

3sixty said:

My parents, 20yrs+ driving and same in no claims added £150 individually or £200 if both on

Go figure.

It's because generally the more drivers insured on the car, the more risk I think. The exception is under 25s, where it makes a big difference, as the higher risk driver potentially is doing less miles.

[StottyZr]

james_gt3rs said:

3sixty said:

My parents, 20yrs+ driving and same in no claims added £150 individually or £200 if both on

Go figure.

It's because generally the more drivers insured on the car, the more risk I think. The exception is under 25s, where it makes a big difference, as the higher risk driver potentially is doing less miles.

Grandparents near enough cut my premium in half. I can't see it having the same affect at 38...

[Tc24]

Brought my insurance down from around £1,800 to £1,100 in my first year of driving. Even now, having both my parents on results in a premium of about £400 as opposed to £700-and-something

[3sixty]

james_gt3rs said:

It's because generally the more drivers insured on the car, the more risk I think. The exception is under 25s, where it makes a big difference, as the higher risk driver potentially is doing less miles.

Just turned 26 so may be why.