What Is a "Named Driver"?

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Introduction

When you buy car insurance, there’s usually a section called “Named Driver.” Most people just scroll past it, thinking it’s not that important — but that small box can make a big difference later. If you skip it or fill it without understanding what it means, it could cost you during a claim. So, let’s clear this up once and for all: who exactly is a named driver, and why does it matter?

What Does “Named Driver” Mean?

A named driver is simply another person who’s officially allowed to drive your car under your insurance policy.

Let’s say you own the car, but your spouse or your adult child uses it often. If their names are listed as named drivers, your insurance will still protect both the car and the driver if something happens. It’s that straightforward.

Who Can You Add as a Named Driver?

Most insurers allow one or two named drivers, sometimes at no extra cost. Common examples include:

Your spouse
An adult child staying in the same household
A parent or sibling
A regular driver (for example, a family chauffeur or company staff)

Try not to add people who rarely drive the car — that can trigger suspicion or even cause problems with the insurer if things go wrong later.

Why It’s Important to List Them

People often ignore this section, but it can decide whether your claim is approved or denied. Here’s why it matters:

1. Prevents Claim Rejection

If someone not listed as a named driver gets into an accident, your insurer might reject or reduce your claim.

2. Protects Regular Drivers

Listing all frequent drivers ensures they’re covered under the same policy — no surprises, no loopholes.

3. Avoids Penalties

If an insurer finds out someone drives your car regularly without being declared, they can revise your premium or impose penalties.

4. Ideal for Families or Businesses

For families or small companies sharing cars, adding named drivers helps everyone stay protected without buying separate insurance.

How to Add a Named Driver

It’s easy — you can do it anytime before renewing your insurance:

Contact your insurer or update the info through a platform like Bjak.
Provide the driver’s full name, IC number, and driving licence number.
Wait for confirmation — most insurers update it within 24 hours.

Some companies might charge a small fee if you add more drivers or if the driver has a higher risk profile.

What Happens If You Don’t List Them

If someone not declared drives your car and ends up in an accident, you could face:

Reduced payout (for instance, half the total claim amount),
Full rejection of the claim, or
Higher premiums during your next renewal.

This problem usually happens when family members — especially kids — use the car without being officially added to the policy.

Conclusion

A named driver isn’t just another box to tick — it’s a safety net for everyone who regularly drives your car. Make sure their names are listed, so you won’t run into claim issues later. You can easily check or update your named driver info online through Bjak, no paperwork or office visit needed.