How to add a Named Driver for 1 week
The key takeaway is that you can add a named driver to your policy by (1) contacting your insurance provider and making what is termed as a mid term policy adjustment, or (2) you or the additional driver can take out a temporary insurance policy for a day or a week or for whatever term required. This temporary car insurance policy is separate to the main policyholder’s insurance policy, which will have the main advantages of not impacting the No Claims Bonus of the car policyholder should an insurance claim be made.
Temporary additional driver insurance, is a form of short term insurance that will provide the required insurance to enable an additional driver to drive your car or van or indeed bike, motorhome or campervan. The traditional way to add a driver was to contact your car insurance provider and ask them to add another driver to your policy. The problem was that most likely your insurance company could only provide annual cover only and not temp additional driver insurance. This only left you with one option that would mean adding the driver on a permanent basis, which made it very expensive to simply add an extra driver on a short term basis.
Why is temporary additional driver car insurance is so popular?
- ✓ Much less hassle than adjusting existing cover—simply add temporary additional driver insurance
- ✓ Flexible short-term cover available from 1 hour up to 28 days
- ✓ No impact on your No Claims Discount, with fully comprehensive cover as standard
Traditional way to add a named driver insurance?
Named driver insurance is an insurance policy in the name of the main driver that has additional named drivers included within the policy. These can be added when the policy is being setup or added as a midterm adjustment by contacting your insurance provider and requesting an additional named driver to be added.
Driving other cars clause
If the other driver has a ‘driving other cars’ clause within their own insurance, they will be covered to drive, but the terms are normally stricter and cover can be limited to third party only. Please check with the provider and if is the case adding the driver as an additional driver with GoShorty may be the best option as all their policy will be fully comprehensive and an any claims made will not impact your existing policy.
Temporary additional driver insurance cost
The cost of temporary additional driver insurance will vary based on a number of determining factors. Key amongst these will the car to be insured and the driver’s history and age. We have listed the key factors below in list format.
| Factor | Impact on Cost |
|---|---|
| Car Insurance Category | The cost of temporary additional driver insurance will be cheaper if the car falls into a low insurance group. |
| Additional Driver’s Claims History | If the temporary driver has made previous motoring claims, premiums will be higher compared to drivers with a clean history. |
| Additional Driver’s Age | Younger drivers pose a higher risk and may face higher premiums. Drivers under 25—and especially under 21—can still be added but should expect increased costs. |
Short Term NI Car Insurance FAQs’
Temporary Car Insurance Providers
Oneclickinsure.co.uk have partnered with GoShorty to help you obtain Temporary Car Insurance.
GoShorty is a trading style of Complex to Clear Group Limited, registered in England and Wales and
authorised and regulated by the Financial Conduct Authority (FRN 751221).
Company Registration Number 05044963. Data Protection Registration ZA456686.