If there’s someone else who frequently drives your car, you should. This is because your car insurance policy covers your authorised driver. An authorised driver is anyone you allow to drive your car. But if this person’s details is not listed in the policy document, there may be an additional excess imposed.

By adding a Named Driver, he or she can enjoy the same excess as you as long as he’s not classified as an elderly, young or inexperience driver. (If he is under such classification, his excess will be higher.)