Additional Drivers – What You Need to Know
Adding additional drivers to your car insurance policy is a pretty common requirement whether it is your spouse, partner or children. Here at Allianz we allow you to add additional drivers to your policy on a permanent or temporary basis.
Permanent Additional Drivers
Permanent additional named drivers can be added to your policy provided they meet the same requirements as the main driver(s) with regard to licence, accident record and convictions.
Additional named drivers can usually be added to a policy when the policy is first taken out or at any stage during the policy*. If a driver is under 25 however your policy must be in force for at least one year and the Additional Drivers Form must be completed and submitted.
Open Driving is an optional extra (available at an additional cost*) that allows other qualified drivers to use your car as long as they’re between the ages of 30 and 70 and they meet the same requirements as the main driver(s) with regard to licence, accident record and convictions. This option is only available if you are aged 25 or older and have at least 2 years No Claim Bonus.
Open Driving might not be available for your type of car and it is not available where we have provided a premium reduction for insuring a second car with us. Open Driving covers anyone within the specified age range to drive the insured car provided they:
- Have a clean licence
- Are free from claims
- Have not had any convictions or disqualifications arising from a motoring offence within the past 5 years
- Do not suffer from any medical conditions which may inhibit their ability to drive, unless a General Practitioner has declared such driver(s) fit to drive
Temporary Additional Drivers
You can also add additional named drivers to your policy on a temporary basis*. We provide up to 30 days cover free of charge if a named driver is over 25 years of age, is claims/convictions free and holds a full driving licence.
The 30 days free cover is reduced to 7 days if the driver only has a provisional licence/ learner permit. After 7 days we charge €38 per week up to a maximum of one month.
If the named driver is under 25, cover is restricted to Third Party, Fire & Theft. Temporary Additional Drivers aged under 25 cannot be added in your first year of insurance.
The following charges apply for the addition of drivers aged under 25:
- 1 Week or part of €50
- 2 Weeks €80
- 3 Weeks €110
- Maximum 1 month €140
Temporary Drivers are subject to the same requirements as the Main Driver(s) with regard to licence, accident record and convictions.
If you would like to know more about adding an additional driver to your policy please fell free to call us on (01) 448 48 48 and one of our customer service representatives will be delighted to help.
*Please note that if you add an additional driver or the Open Driving optional extra to your policy before your renewal a mid-term adjustment fee may need to be applied and that an additional Premium applies for this cover.
Minimum premium of €284 applies. Standard acceptance criteria, terms and conditions apply.
Information correct as of 27/09/2016. Calls may be recorded.
Date:January 25th, 2017