Can I act as a named driver on my 17-year-old granddaughter's insurance policy?
I read in your column today your advice on insuring teenage drivers. My granddaughter is approaching 17 and the problem of insurance raises its head. You say that a discount may be obtained if a seasoned driver is named on her policy. What is the position of this named driver if, God forbid, my granddaughter is involved in an accident? Would he have to declare this when renewing his policy and, if so, would he be penalised?
Asked on 4 June 2011 by JD, Birmingham
![](http://images.honestjohn.co.uk/imagecache/file/pad/120x120/media/16477727/537450_458533677529584_1473549666_n.jpg)
No, because he or she would only be a named driver on someone else's policy. But to be a named driver it has to be possible for you to regularly drive the car. You cannot be a named driver on a policy for a car normally kept 50 miles from where you live, for example.
Similar questions
![](http://images.honestjohn.co.uk/imagecache/file/pad/75x75/media/16477727/537450_458533677529584_1473549666_n.jpg)
My niece has just had her 17th birthday. My sister (her mum) tried to get her insurer, RAC, to put my niece on her policy while she's learning to drive. They've been extremely unhelpful, refusing to even...
![](http://images.honestjohn.co.uk/imagecache/file/pad/75x75/media/16477727/537450_458533677529584_1473549666_n.jpg)
I'm trying to get insurance cover for my son who has just passed his test. We had already lined up a car, knowing its past history. Although it was 16 years old, its only covered 45,000 miles. It has just...
![](http://images.honestjohn.co.uk/imagecache/file/pad/75x75/media/16477727/537450_458533677529584_1473549666_n.jpg)
I have just spoken to two insurers concerning my motor renewal premium. As I own two cars and my wife never drives the car I am about to renew, it seemed to me that it would be worthwhile limiting driving...