By Melanie May, September 2022
Fed up of always being the designated driver? Have a friend visiting who wants use of your car or a family member stuck while their car gets repaired? There are many different reasons for wanting someone else to get behind the wheel of your car and it can come in very handy at times! Let’s take a look at how other people can legally drive your beloved vehicle.
Can other people drive my car?
The simple answer is yes, they can! As long as you have added them to your motor insurance policy.
If you want to let someone you know and trust drive your car, you can easily add them to your Allianz car insurance policy as an additional driver via MyAllianz. Additional drivers are also referred to as named drivers.
Permanent vs Temporary Additional Drivers
We can quickly and easily add people to your Allianz motor insurance policy on a permanent or temporary basis. For example, you can add your mate to your policy for a one-time road trip, or you can add your partner for the length of your relationship - let’s hope that means forever!
Allianz can add both permanent and temporary additional named drivers to your motor insurance policy as long as they meet the same requirements as the main driver (that’s you). These requirements relate to licence type, accident record and convictions.
Temporary Additional Drivers
Allianz provides cover for temporary additional drivers for up to 30 days free of charge as long as the person to be added is over 25 years of age, holds a full driving licence, and is claim/convictions free.
However, if the temporary additional driver is over 25 years of age but holds a learner permit/provisional licence, the 30 days free cover is reduced to seven days. A weekly charge will apply if you would like to add the other person to your policy for more than seven days.
If the temporary additional driver is under the age of 25 years, a weekly charge and additional excess would apply. The maximum length of time you can add a temporary additional driver under 25 to your policy is one month.
What type of cover does an additional driver have?
Additional drivers usually have the same level of cover as the policyholder. For example, if you have comprehensive cover, the additional named driver will also have this level of cover.
How much does it cost to add an additional driver?
The anser to this is “it depends”. The age, experience and accident history of the driver you’re adding, as well as other factors, could increase or decrease your premium.
On some occasions, your premium might even decrease if you add an older driver with years of claim-free driving experience.
However, if you add a young, new driver to your policy or someone with a lot of claims, this could drive (excuse the pun) the price up.
What happens if the additional driver has an accident in my car?
The type of cover on your car’s insurance policy extends to all the other drivers of your vehicle. Therefore, if you have fully comprehensive insurance cover, so will the other driver. However, this means that if they are involved in an accident while driving your car, the damage and claim will be under your policy.
When can I add an additional driver?
You can add an additional driver to your motor insurance policy anytime. You do not have to wait until you renew your policy.
What do I need to add an additional driver?
You’ll need to know the additional driver’s name, age, driving licence type - full, provisional, Irish, EU etc, - and history of motoring accidents, convictions and penalty points. You should also know how long they have held their licence and if they have their own motor insurance policy.
How do I add an additional driver?
Allianz p.l.c. is regulated by the Central Bank of Ireland. Standard acceptance criteria and policy conditions apply.
Information correct as of date of publishing. This blog will not be updated or edited so the information may become outdated.