Can I be a named driver on my sister's policy if I am main driver on my own?

Implications of being named driver on second policy

My son is getting his first car and I intended to be a named driver on his policy for possible occasional use. I am also insured in my own right for my vehicle and third party for other vehicles. Is it OK to be a named driver and, if so, what are the implications for my NCD if he claims on his policy.

[Migrated from previous topic 12540 dated 15 May 2013]

Yes, there's no problem doing that. This means that you will be allowed to drive your sister's car when you need to. If you happen to have an accident while you're using your sister's car, you can claim through her insurance policy because you'll be an additional driver on that one.

One thing worth mentioning is that if you have comprehensive car insurance on your own car, chances are that you may be allowed to drive your sister's car with her permission on a third party basis. This is included in many fully comp policies but you should check yours to make sure that this facility is available on yours too. It might save you from having to pay additional to become a named driver on your sister's car insurance policy.