Named Drivers and Main Drivers: Getting It Right

Updated Oct 15, 2026 · Daniel Moreau · 4 min read

Listing the wrong person as the main driver to save money is known as fronting. It can invalidate your insurance.

What this article covers

✓ Main driver
✓ Named drivers
✓ Fronting
✓ Occasional drivers
✓ Changes

Car insurance policies usually name a main driver and may list additional drivers. Insurers price policies based on who drives the car most.

Being accurate is important for both legal and practical reasons.

Main driver

The person who uses the car most often should be listed as the main driver.

Named drivers

Adding experienced drivers can sometimes reduce premiums, but only if they genuinely drive the car.

Fronting

Listing a lower-risk person as the main driver when someone else drives most is misrepresentation. Insurers may refuse claims or cancel the policy.

Occasional drivers

Check whether your policy allows others to drive the car and what cover they have.

Changes

Tell your insurer if driving patterns change.

⚠

This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.

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Named Drivers and Main Drivers: Getting It Right

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