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Multi Driver Car Insurance – Compare Cheap Quotes
Car insurance providers use a wide range of variables when they’re calculating insurance premiums, each of which is intended to help the insurer understand how risky the policyholders might be.
For instance, each of the following factors can all influence the cost of your car insurance:
- Your age
- Your occupation and sector
- Your postcode
- How long you’ve held your driving licence
- The type of car you drive
- Where you usually park your car
- Whether or not you’ve claimed on your insurance in the past five years
- Whether or not you have any penalty points or driving convictions
- The size of your No Claims Discount
Most car insurance companies offer multi driver car insurance policies, meaning both you and one or more others can be insured to drive the same car under the same policy.
However, it’s important to bear in mind that if you do opt for a multi driver insurance policy the risk factors mentioned above may well be taken into consideration for each driver on the policy.
Depending on the drivers you’re insuring alongside yourself, this means it’s possible a multi driver insurance policy might cost more than you’d pay if you were the only driver named on that insurance.
However, it is also possible that a multi driver car insurance policy might cost less than you’d pay to insure yourself, as counterintuitive as that might seem. The most likely scenario where that might arise is if you’re viewed as a riskier driver by insurance providers (for instance, if you’re a young driver or you’ve got a drink driving conviction), but you’re taking out a multi driver car insurance policy with an older driver with a clean record who insurers view as a lot less risky than you.
Why would a multi driver car insurance policy be cheaper than insurance for me alone?
If you’re the main policyholder on a multi driver car insurance policy and you have a fairly negative risk profile (if you’ve claimed on your insurance for an at-fault accident recently, for instance, or you’ve had your licence endorsed with more than six penalty points) then you might be surprised to learn that adding a driver with a better risk profile (eg zero penalty points and no insurance claims in the past five years) can sometimes reduce the cost of your car insurance.
It’s actually fairly logical, because if a less risky driver is going to be driving the vehicle at least some of the time that suggests the riskier driver is likely to spend less time behind the wheel and clock up fewer miles themselves, which would in turn improve the overall risk profile for that multi driver insurance policy.
Does the main driver on a multi driver insurance policy have a bigger impact on the premium than other named drivers?
Yes, car insurance providers will assume that the main driver (sometimes known as the ‘insurance proposer’) will do the bulk of the driving, which means that particular motorist’s driving record, occupation, age etc will have a bigger impact on the premium calculation.
Should I list the driver with the better driving record as the main driver in order to lower my premium?
No, if you list the driver with the better driving record as the main driver on a multi driver insurance policy you may well benefit from cheaper insurance, but you would be committing insurance fraud.
This type of fraud is known as ‘fronting’, and is a criminal offence that could result in a large fine and a criminal record.
That’s why it’s vital that you accurately list the person who will do the bulk of the driving as the main driver, and list other motorists on the multi driver insurance policy as ‘named drivers’.
*51% of consumers could save £262.01 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.