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Find out whether you can take out cover for any driver on your car insurance policy with Savvy.
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Wondering whether car insurance allows you to add any drivers to your coverage? Whether it's for your family, business or other circumstances, most policies offer convenience and peace of mind when it comes to enabling you to add cover for additional drivers. You can find out more about how additional drivers work when it comes to car insurance right here in Savvy’s handy guide. Learn about who can be covered and how to add further drivers to your policy in one place with us.
While there isn't a specific product that covers any driver, most insurers in Australia will allow you to add additional drivers to your car insurance policy. These provide flexibility by extending coverage to individuals other than the primary policyholder, who are known as secondary or additional drivers.
By adding named drivers to your car insurance, you can ensure they’re protected against the events covered under your policy while driving your vehicle. However, it's important to note that certain drivers may attract additional costs behind the wheel, such as requiring a further excess to be paid if the driver was under 25.
To add a driver to your car insurance policy, follow this step-by-step process:
It's important to note that the process may vary slightly depending on your insurance provider. It's important to contact your specific insurer for precise instructions tailored to your policy.
In many cases, insurers can provide cover for drivers who aren’t listed on the vehicle owner’s policy, meaning they can drive without specific insurance coverage in some cases. While this may not come with any additional costs, many will require you to pay an excess if they aren’t included in your car insurance policy. However, some policies require you to list all regular drivers of the vehicle, with unlisted drivers not covered in case of an accident.
It's crucial to review your policy terms and conditions or contact your insurer to understand the specific coverage and restrictions regarding unlisted drivers. It's generally recommended to list all regular drivers on your policy to ensure adequate coverage and comply with your insurer's requirements. Read their product disclosure statement (PDS) for more information on whether unlisted drivers are covered.
Adding additional drivers to your car insurance policy can indeed affect its cost. The impact on the cost of your premium will depend on several factors, including the following:
It's important to note that while adding drivers may increase the cost of your car insurance, it's crucial to provide accurate information to your insurance company. Failure to disclose all drivers or providing false information can lead to potential coverage issues or claims denial in the future.
Select your car make and find out how much it may cost to insure, read helpful guides and compare quotes.
Disclaimer:
Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.
Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.