Adding named drivers to your van insurance policy
We’ve said it before and we’ll say it again, most people who drive vans use them for business purposes.
Now before all you Volkswagen Transporter van owners get shirty, we know that’s not always the case, but generally it is.
If you use your van for business purposes there could come a time when you need other employees to drive it. That means you will need to add another driver to your policy.
At the same time, anyone who owns a van solely for personal use may also want to add a named driver to their policy, a family member, maybe.
How much does it cost to add another driver to my van insurance policy?
Adding a new driver to your insurance policy is fairly straightforward but obviously, it will cost extra to do so.
First, insurers will normally charge an administration fee, usually around £30, to add an extra driver.
On top of that, your premium may increase as well, depending on the risk profile of your extra named driver.
If the new driver is an 18-year-old with zero No Claims Bonus (NCB) and three-points on their licence, your premium will increase, as you’d expect.
It all depends on their driving history because somebody else, a more experienced, older driver, could in fact lower the cost of your insurance.
How do I add a named driver to my van insurance policy?
You need to inform your insurer that you wish to add another driver, they will then ask for some details about the new driver, for example, their name and address as well as additional information about motoring convictions.
At this point you will receive quotes for the updated policy and if you wish to continue you will need to pay an administration fee.
Important things to remember when adding a named driver
Age matters – The younger the driver you are adding, the more expensive your policy is likely to be.
25 is the magic number – For van insurance policies, the magic age is 25. Drivers under the age of 25 usually cost a lot more to insure than somebody over the age of 25.
Convictions matter – If the named driver you are adding has any motoring or unspent criminal convictions, it will make your insurance policy more expensive.
Your NCB is at risk – If the named driver is involved in a claim, it is the policyholder that puts their NCB at risk.
Using mustard.co.uk – when getting van insurance quotes on mustard.co.uk, you can add named drivers as you move through the quote process.