Adding 'self-employed' driver to my car insurance

someanonbloke

Hi, I want to add another driver to my insurance.

He's late 30s with a clean licence and is self-employed; will this categorisation adversely affect my quote? From my experience, adding an extra older driver with a clean record reduces the insurance premium, but the insurers may not like the working title?

Please advise, regards.

dacouch

Depends what he's self employed as

peter_the_piper

Surely it depends on whether they ask the employment of the driver. They did not when I added my BIL.

someanonbloke

Self-employed builder/property maintenance etc.

Quentin

Do dummy quotes online with and without the named driver being added to see what difference it makes to the premium.

IamNotAllowedToUseMyName

I'm self-employed and the insurance is not a problem. The industry is more likely a factor (self-employed publican anyone?) than the status of being self-employed.

There is no harm in asking for a quote - it's not like it is worth lying as in the event of an accident you don't want to come unstuck.

[Deleted User]

I think a lot will depend on the purposes he will be insured for.

If he's covered for just SDP, then I doubt it will make much difference.

If he's covered for business use (especially if it's class 2 or higher), then it will probably make a fair amount of difference.

someanonbloke

No, it'll just be personal use.