Can I add a driver temporarily, such as for a short-term visit or rental?

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You can usually add a temporary driver for a short-term visit or rental, but it depends on the specific car insurance company and its policies.

If you’re planning to add a temporary driver, make sure to check with the insurer. Their policies may vary, and some may charge an additional fee for adding extra drivers. Be sure to ask about any age restrictions, driving history requirements, and the process for adding the driver.

What information do I need to provide to add a driver to my car insurance?

To add a temporary driver, you’ll likely need to provide some essential information about the additional driver, such as their name, driver’s license details, and contact information. 

Remember that adding a temporary driver might come with an extra cost. The car insurance company may charge a fee for each additional driver. Make sure to inquire about these costs upfront so that you’re aware of the increased premium.

Read our detailed guide to adding teenager to car insurance policy

How do insurance companies handle temporary drivers?

Many auto insurance policies include a “permissive use” clause, which provides coverage for occasional drivers who have your permission to use the vehicle. If someone drives your car with your consent, they may be covered under your policy in case of an accident.

If the person uses your car more frequently, you may need to add them to your policy. Contact your insurance company and provide the necessary information about the driver, such as their name, driver’s license number and driving history.

Adding a driver, even temporarily, could affect your insurance premium, especially if the driver is considered high-risk due to age or driving record. It’s important to discuss potential cost implications with your insurer before adding the driver.

How to add a driver to your car insurance policy temporarily?

You can follow these steps to add a driver to your car insurance policy temporarily.

• Contact your insurer: Call or visit your insurance company to inquire about temporarily adding a driver.
• Provide driver information: Provide the insurer with the necessary details about the temporary driver, including their full name, date of birth, driver’s license number, and driving history.
• Specify the duration: Clearly state how long you want the driver to be covered under your policy. Temporary additions typically last from a few days to several weeks.
• Adjust premiums if needed: Remember that adding a driver may affect your premium. Ask if there will be any additional costs.

Make sure you review the terms regarding any restrictions or conditions for the temporary driver.

Final thoughts

Remember, it’s important to communicate openly with the car insurance company and ask any questions you may have about adding a driver for a short period.  It’s always recommended to have proper insurance coverage when allowing someone else to drive your vehicle, even if it’s just for a short period.