A named driver and a primary driver are two different types of drivers on a car insurance policy, and they have different roles and responsibilities. Here’s a brief explanation of each:
- Primary driver: The primary driver, also known as the main driver or policyholder, is the person who is primarily responsible for driving the insured vehicle. This person typically drives the car the most and has the greatest impact on the insurance premium. The primary driver’s driving history, age, gender, and other factors are used to determine the car insurance rates. As the main driver, they are also responsible for ensuring that the insurance policy meets their needs and the needs of any additional drivers on the policy.
- Named driver: A named driver, also known as an additional driver, is someone who is listed on the car insurance policy and has permission to drive the insured vehicle but is not the primary driver. Named drivers are usually family members, friends, or anyone else who occasionally drives the vehicle. While named drivers are covered by the insurance policy, they do not have the same level of influence on the premium as the primary driver. However, the named driver’s driving record, age, and other factors can still affect the overall cost of the policy.
In summary, the primary driver is the main user of the vehicle and has the greatest influence on the car insurance premium, while a named driver is an additional driver who has permission to use the vehicle occasionally. Both types of drivers are covered under the insurance policy, but their impact on the policy’s cost may differ.