Any Driver Car Insurance

Find out whether you can take out cover for any driver on your car insurance policy with Savvy.

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, updated on February 15th, 2024       

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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.

Can I take out car insurance which covers any driver of my vehicle?

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.

How do I add a driver to my car insurance?

To add a driver to your car insurance policy, follow this step-by-step process:

  1. Contact your insurance provider: reach out to your insurance company through their customer service helpline or visit their website.
  2. Gather driver information: collect all the necessary details of the driver you wish to add, including their full name, date of birth, address and driver's licence information. Your insurer may also require additional information, such as the driver's driving history and any previous claims or accidents.
  3. Determine eligibility and coverage options: your insurance provider will assess the driver's eligibility and determine the impact on your policy premium. They’ll also inform you about any specific coverage options available for additional drivers.
  4. Review terms and conditions: carefully read through the terms and conditions related to adding drivers to your policy. Take note of any restrictions, such as minimum age requirements or driving experience.
  5. Pay any additional premium: depending on the driver's profile, you may be required to pay an additional premium to extend coverage to them. Your insurance provider will inform you about any changes in the policy premium.
  6. Receive confirmation: once all the necessary steps are completed, you’ll receive confirmation that the driver has been added to your car insurance policy.

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.

Can unlisted drivers be covered by my car insurance 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.

Does adding any further drivers to my car insurance affect its cost?

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:

  • Driving record: insurance companies consider the driving records of all drivers listed on the policy. If the additional driver has a clean driving history with no accidents or driving offences, it may have a minimal impact on the premium. However, if the driver does have such a history, it could result in a higher premium due to the increased risk associated with insuring them.
  • Age and experience: young or inexperienced drivers, such as those with a learner's permit or provisional license, are considered at higher risk by insurance companies. Adding such drivers to your policy may lead to a higher premium due to their limited driving experience and increased likelihood of accidents. Those on their L-plates or P-plates may be subject to additional excesses if they cause damage to your vehicle or other property.
  • Gender: in most cases, female drivers are cheaper to insure than male drivers. This is because of the greater safety exhibited by women on the road compared to men. As such, you may pay more for an additional male driver than you would a female.
  • Claims history: insurance companies also evaluate the claims history of all drivers on the policy. If an additional driver has a record of frequent claims or involvement in past accidents, it may result in a higher premium to account for the increased risk.
  • Usage patterns: the frequency and purpose of the additional driver's use of the insured vehicle can impact the premium. If the driver will be using the car regularly or for commercial purposes, it may lead to a higher premium compared to occasional or personal use.
  • Insurance company rules: each insurance company has its own set of guidelines and pricing structures. Some companies may offer discounted rates for adding certain drivers, such as a spouse or family member, while others may charge an additional premium for any additional driver, regardless of their driving history.

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.

Common questions about car insurance with additional driver cover

Can I add any temporary or occasional drivers to my car insurance?

Many car insurance policies allow for the addition of temporary or occasional drivers, such as friends or relatives visiting from out of town. However, it's important to check with your insurance provider to confirm their specific policy guidelines.

Can car insurance cover any drivers with international licences?

Provided their licence is valid in Australia, they’re legally able to drive and meet your insurer’s qualification criteria, you’ll be able to add coverage for drivers with international licences. It's essential to check the policy terms and conditions for any specific requirements or restrictions.

Can I add any business employees as drivers to my car insurance policy?

Yes – business car insurance can often be extended to cover employees using company vehicles for business purposes, which is a common occurrence for businesses which own one or more vehicles. It's important to check with your insurance provider to ensure appropriate coverage for your specific business needs.

Will my car insurance policy cost less if all my additional drivers are over 25?

As mentioned, the cost of your policy will depend on more factors than solely the age of the drivers listed. However, if all the drivers are older and have ample experience on the road, you’ll have a greater chance of securing a lower premium than if they were under 25.

Can I take out car insurance on a vehicle I don’t own?

If you’re the primary driver of a vehicle which is registered in someone else’s name, you’ll be able to take out a car insurance policy as a non-owner. However, if you aren’t the primary driver, you can be listed as an additional driver on the policy held in the name of the vehicle owner.

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