If you’re looking to temporarily insure an additional driver to drive your car, GoShorty has cover for you.
With options from as little as one hour to 28 days, additional driver insurance from GoShorty is the best option if you’re looking for standalone cover that won’t affect your No Claims Discount in the event of a claim.
Additional driver insurance, sometimes known as named driver insurance, provides cover for drivers who have permission to use a vehicle they don’t own.
There are several ways of insuring an additional driver to drive your vehicle. This includes adding them as a named driver to your existing car insurance policy or DOC cover (drive other cars cover). DOC cover allows you to drive other cars with the owner’s permission without being added as a named driver on their existing insurance policy.
However, these are often costly and long-term solutions.
The most flexible option is to take out temporary car insurance with GoShorty. By doing this, the additional driver won’t be stuck in a long-term policy and will only pay for the cover they require.
The main driver will also rest assured knowing their No Claims Discount will remain intact if the additional driver has to make a claim. This wouldn’t be the case if the additional driver was added to the main policy as a named driver.
Not sure whether temporary insurance cover is right for you? You’ll find that temporary car insurance cover is perfect for anyone who just needs to be insured on a car for very short trips. Temporary car insurance is ideal for:
Car Sharing: Especially if you’re going on a long journey and want to share the load on driving with a friend or family member.
Learner Drivers Who Wish to Practise: Getting in the extra hours outside a lesson without breaking the bank can be crucial to a speedy pass.
Test Driving Multiple Cars: When you’re buying a car second hand it’s a great way to get behind the wheel without the risk
Emergencies: Need to be somewhere quickly, but you’re not insured on someone’s car? Daily insurance could be just the ticket.
Borrowing a Car: Need to run one short errand? Daily insurance is ideal for short term cover.
Driving A New Car Home: Once you’ve bought a new car you need to insure it, however you might not have an annual policy lined up. Daily insurance will allow you to drive away in your new car without issue, and give you cover for driving for the rest of the day.
MID: Please note that all our Short Term Insurance policies are submitted to the Motor Insurance Database (MID) at midnight every day. We recommend always having a copy of your Insurance Certificate with you during the period of cover.
The cost of adding an additional driver varies depending on the age and driving history of the additional driver. The method of adding an additional driver will also impact the cost.
One way of providing an additional driver with cover to drive your vehicle is by taking out temporary car insurance. This low-cost option protects the main driver’s no-claims bonus and can be taken out for short periods when required.
Adding a named driver to an existing car insurance policy can reduce your insurance premiums overall.
However, adding a higher-risk driver can increase premiums significantly and put your no-claims bonus at risk in the event of an accident.
You’ll need to contact your insurance provider to add a named driver to your existing car insurance policy. This process will likely have admin fees, and your premium may increase.
A much quicker and more straightforward option may be to take out temporary additional driver car insurance, which allows you to only take out cover for the required duration.
If the required driver is stated as a named driver on your insurance policy, they won’t require their own separate insurance. However, in the event of an accident involving the additional driver, the main driver’s no-claims discount will not be protected, and your premiums will likely increase.
A safer way to insure an additional driver would be to take out temporary car insurance. This way, they have fully-comprehensive cover they can take out whenever required (with the owner’s permission). This is a standalone policy, so it won’t affect the main driver’s premium or no-claims discount if the additional driver makes a claim.
If the additional driver has their own standalone car insurance, like temporary car insurance from GoShorty, the main driver’s premiums and no-claims bonus will not be affected.
Whereas, if a named driver on your existing policy has an accident in your vehicle, you’re fully liable for the claim as the main policyholder.
No, an additional driver does not have to live with you.
For temporary car insurance policies taken out at GoShorty, as long as the additional driver has lived in for 12 months and has a permanent UK address, they can take out additional driver insurance with the main driver’s permission.