Named driver that lives far away

Mzmaiash · 21 February 2019 at 12:47PM

I’ve not yet passed my test but am looking into all my overheads as a new driver.....there’s so much information on young drivers but not older new drivers... I digress, to bring down my insurance costs it appears better to have a named driver, issue is, they live far away. Would this be an issue? I will genuinely need them to do a bit of driving when I visit but will only be a handful of times a year.

Bigphil1474 · 21 February 2019 at 12:56PM

So long as you are named as the main driver, then you can have anyone as a named additional driver. I'm on my father in laws insurance as a named driver, but haven't driven his car in a couple of years. They might query it but as you genuinely need them on your insurance, there shouldn't be an issue.

SensibleSarah · 21 February 2019 at 2:23PM

I live 100 miles away from my mum but have her as a named driver on my policy (with her permission obviously) as it knocks about £50 off an annual premium. Insurance company don't ask for addresses for named drivers.

Named drivers don't need to ever drive it, as long as you're the policyholder/main driver

Bonniepurple · 21 February 2019 at 2:56PM

I have my Dad (lives 25 miles away) and my brother (lives 80 miles away) as named drivers on my insurance. We all go away together once a year, and, as my car is the largest, we tend to use it most. It saves me having to drive all the time.

robatwork · 21 February 2019 at 5:33PM

It would be a problem if the car was kept at the named driver's house and you rarely used it.

If it's kept with the main insured as you suggest all OK.

caprikid1 · 21 February 2019 at 5:51PM

I have had named drivers who live 9 hours flight away. Borrowed the car when in the UK

marlot · 21 February 2019 at 5:52PM

Just remember to check with them each renewal that they've not had an accident or points on their licence.

Hermione_Granger · 21 February 2019 at 9:34PM

marlot wrote: »

Just remember to check with them each renewal that they've not had an accident or points on their licence.

With some insurers, it's not at renewal time that driving offences need to be disclosed and if your policy documents require it then you have to tell the insurer about any changes such as accidents or points as soon as they occur.

Aretnap · 21 February 2019 at 9:37PM

You can have anyone you like as a named driver. Add the Queen if you want to. You're not claiming that they actually drive the car frequently, or even at all, you're just asking for them to be covered on the off chance that they ever do.

elsien · 21 February 2019 at 9:43PM

My named driver lives the other end of the country and hasn't driven in over 30 years although he still has his licence. He therefore has a very clean driving record which is enormously helpful.