Will adding a younger driver to my policy as a named driver reduce my premium?

As I get older my insurance premium seems to gradually creep up each year, in spite of many years of claim free motoring. There seems to be quite a lot in the press of late regarding older drivers and the possible introduction of a re-test at 70 years old. I have my eyes tested each year and agree that this should be a requirement. Do you think there would be any benefit in adding another, younger, family member as an extra driver to the policy to stop the premium increasing as much? After all, this seems like a similar situation for a young inexperienced driver adding an older driver to their policy for the same reason.

Asked on 26 June 2025 by johntakeiteasy

Answered by Rhydian Jones
Adding a named driver to your car insurance policy can be an effective way to save money on your insurance, if they’re likely to use or borrow the car from time to time. Though if and how much this will save you will depend on their driving experience and history. It’s worth speaking to your insurer or running a quote to see how much this could cost you. Though, it’s worth noting that having too many drivers could in fact have the opposite effect and cost you more.
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