Named Driver and Regular Driver
When you take out car insurance there are many terms that you need to understand – named driver and regular driver are two of them. A named driver is the person who is named in the policy as a designated driver of the insured car. It is very important for you to establish your insurance company’s rulings about named drivers. Usually other people who drive your car will also be covered under your car insurance policy but only if they were driving your car with your consent.
Many insurance companies also use the term regular driver. The regular driver is the person who drives the car more often than any other party. If someone else drives your car on a regular basis you must include this person by name as a regular driver. Other people who drive your car on the odd occasion will be covered as well.
When an insurance company calculates the premium payable they will look at your overall risk profile. It stands to reason that should someone else drive your car on a regular basis this person’s insurance profile needs to be taken into account as well. Ultimately it is in your best interest not to allow all and sundry to drive your car. Make sure you are totally up to date with your own car insurance policy conditions.