Can my wife drive my car even if I remove her as a named driver?

I'm thinking of changing my insurance policy by taking my wife off the policy as a named driver as it will be cheaper. If I let her drive the car with my permission, is that legal insurance wise, and if she has an accident, what could be the outcome in that scenario?

Asked on 19 December 2023 by truelocksmith

Answered by David Ross

If you remove your wife from your insurance policy as a named driver, she will only be insured to drive your car if she has her own insurance policy that offers the facility to drive another vehicle with the owner's permission. In the event that she had an accident she would need to make a claim on her own policy for any damages.

Tags: premiums insurance named drivers

Similar questions

Why did my insurance premium increase when I removed my wife from the policy?

I have just spoken to two insurers concerning my motor renewal premium. As I own two cars and my wife never drives the car I am about to renew, it seemed to me that it would be worthwhile limiting driving...

Why has my car insurance renewal increased so much?

I have just had my renewal quote from LV. Last year it was £229, now they want £380, a 65% increase! How is this justified? I have not changed my car, increased my mileage, received any points, had any...

We've been told our insurance has gone up in our area because an identical car was stolen - is this right?

My daughter has just been told (by a mainstream and well-known insurer) that her premiums have just gone up because an identical car in the same postcode was stolen, therefore the premiums go up. Of course...