Trustpilot
Show More

Ask an Expert

How often can a named driver drive my car?

There are certain benefits to adding another driver to your car insurance policy. If you’re a high-risk driver, then naming a low-risk driver on your policy can actually bring down your premium, because the risk is then shared. Critically however, there are certain restrictions on how often someone named on your policy can drive your vehicle.

Any named driver can use your vehicle occasionally. That means they shouldn’t be the permanent driver, nor should they be regularly using the vehicle, for example for driving to work.

If someone is named as an additional driver but in fact has main use of the car, this is called fronting, which is illegal. This often happens with parents and young drivers. Because new, inexperienced drivers face high premiums, a policy might instead be taken out with mum or dad as the main driver and the high-risk child as a named driver. But if the young driver in fact plans to have main use of the car, this is considered fraud.  

On the other hand, if you share your vehicle with someone else in equal measure, speak to your insurance provider. You may need to take out a joint insurance policy, or else they can advise you on the next steps.

*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

Car and Vehicle Tax Explained - Money Expert

If you want to drive a vehicle on public roads you must register it and pay a car ‘tax’. This tax varies depending on how old your car is, its worth, and crucially how much carbon dioxide (CO2) it emits. This guide will take you through the key points of car tax, how much you might have to pay, and what happens when you buy or sell a car.

Can I Check If My Car Is Insured? Step-by-Step Guide

Yes, you can check if your car is insured. In the UK, the quickest way is through the Motor Insurance Database, which records insured vehicles nationwide. You can check your own vehicle's insurance status for free.It's important to know your car's insurance status, as it's illegal to drive without a valid insurance policy in the UK, and the police diligently enforce motor insurance law. Getting caught driving on a public road without insurance can result in penalty points, a fine, vehicle seizure, and even prosecution. So, if you're not sure whether or not your car is insured, it's a very good idea to check. Here's a step-by-step guide to how:

Family Car Insurance

Buying a family car can be an exciting prospect but if you're not careful you can end up paying through the nose due to all the additional costs. Some of the things that you want to consider are the cost of your road tax, your insurance and your fuel economy. Family cars are often bigger than normal vehicles so this means they aren't always great for fuel economy. Of course one of the biggest, if not the biggest, concern when it comes to family cars is their safety.If you want to save money when buying a new car, then insurance costs are the best place to start. Comparing different insurers can often seem like searching for a needle in a haystack but this doesn't have to be the case. The best way to go about it is to use a price comparison tool. Here at Money Expert we offer a free and impartial price comparison service, we will show you all cheapest car insurance quotes that are available to you and we'll guarantee to find you the best one.