How To Add Someone to Your Car Insurance?

If you regularly lend your car to a friend or family member, you might worry about accidents and coverage. Since insurance covers the vehicle and not the driver, you will have nothing to worry about under normal circumstances, but things can be different if another person drives your car regularly.

This is where a named driver add-on which means adding a driver to car insurance becomes necessary. If you want to know how to add someone to your car insurance policy or whether or not you need to do it at all, read this article from Lookinsure mag, where we are going to tell you all you need to know about the matter.

Frequently Answered Questions

What Is Additional Driver Insurance?

In car insurance, the additional driver is an add-on that can be useful in cases where a vehicle is regularly used by more than one person. This allows the owner to add the name of their spouse, child, or friend with whom they share the car to their policy.

Fronting

The reason this is necessary in such cases is to avoid fronting, a form of insurance fraud where a low-risk driver acts as the policyholder for a less experienced, high-risk driver to secure a lower premium price. To prevent these cases, insurance companies are more vigilant with claims involving another driver. Learning about different Types of Car Insurance can help you understand how to avoid complications like fronting.

Do I Need to Add Another Driver to My Insurance?

Adding a driver to car insurance is only necessary if you have a family member or friend borrowing your car often. In such cases, it is better to spend some extra money on the named driver add-on to avoid potential issues, especially if you’re considering policies like Comprehensive vs Third Party Insurance.

Steps to Add a Driver to Your Car Insurance

Adding a new driver to your insurance policy is a quite simple procedure and can be managed in 4 easy steps:

Step 1: Contact Insurance Company

The first thing you need to do is contact your insurance provider—whether online, via phone, or in person by visiting their nearest branch. If you’re considering switching policies, exploring Changing Car Insurance may also be an option.

Step 2: Provide the New Driver’s Information

After letting them know the purpose of your visit they will naturally want to have access to the information of your additional driver. This information which includes their driving history is pivotal in determining their risk level which in turn affects the cost of your premium.

Step 3: Specify Their Role

When adding a driver to car insurance, you’ll need to specify who will be the primary and secondary driver. This designation is critical for assessing risk and setting the premium. For families with multiple vehicles, Multi Car Insurance might be worth exploring to manage multiple drivers efficiently.

It’s essential that both drivers adhere to their assigned roles, as any breach of the agreement could lead to claim denial. Ensure the person using the car more frequently is listed as the primary driver

Step 4: Make Payment

After the insurance agent calculates your premium based on the new driver’s details, you will need to make the payment. Once the payment is processed, the new driver will officially be added to your policy document.

For short-term needs, Temporary Car Insurance could be an alternative to adding a permanent named driver, especially if someone borrows your car infrequently. By following these steps and selecting the appropriate coverage, you can protect yourself and the additional driver effectively.

How Much to Add a Driver to Insurance?

The cost of adding a driver to car insurance in the UAE may vary between AED 300 to AED 1000 depending on some decisive factors such as the following:

• New Driver’s Age: younger drivers with little driving experience and senior citizens usually tend to increase the cost of the premiums.
• Driver’s Record: if the new driver has a clean driving history that conveys their low level of risk, it will decrease the price.
• Car Value: the more valuable the car is, the more expensive it will be to insure it. Adding a new driver to your policy can be also pricier when you drive a luxury car.

Additional Driver Insurance Premium

An additional driver can either have a positive effect on your premium or a negative one. If they are a low-risk driver with a clean driving record the price of your premium can be lowered and if not, you might have to pay a heftier price.

It is important to keep your insurance provider updated in this regard and let them know if, for example, you need to change the role of your added driver or take them off your policy entirely to avoid complications down the road.

Buy Car Insurance Online With Lookinsure

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Conclusion

As you probably know, the cost of your premium depends on your risk level as a driver, and some people try to take advantage of this by insuring a car that is going to be used by a high-risk driver, such as a teenager who has just received their driving license, under a low-risk driver’s name to get a better deal.

To stop this, insurance companies are quite careful when dealing with claims in which another person has been driving the insured person’s vehicle, even though the insurance policy covers the car itself and not the person. So, if you have someone who regularly uses your car besides yourself, it is important to consider adding them to your policy to avoid possible complications in the future.