Adding an Extra Driver to a Rental Car
Updated Oct 24, 2026 · Hannah Breckett · 5 min read
Only named drivers are usually insured. Here is how additional driver fees and rules work.
What this article covers
Sharing the driving on a long trip makes sense, but rental insurance usually only covers drivers named on the contract.
If an unlisted person drives and has an accident, cover can be void, leaving the renter liable for the full cost of damage.
How it works
Every additional driver normally needs to be present at the rental desk with their licence and sometimes a credit card or ID. They are added to the agreement, often for a daily fee. Some companies, memberships, and locations include a spouse or partner free; check the terms rather than assuming.
Eligibility rules
- Minimum age, often 21 or 25, with young driver surcharges
- Minimum years holding a full licence
- An International Driving Permit if required by the country
- Some companies exclude drivers with recent serious convictions
Why it matters for insurance
Collision damage waivers and third-party liability cover are tied to authorised drivers. Standalone excess insurance policies also usually require every driver to be named on the rental agreement. An unauthorised driver can turn a minor scrape into a large bill.
Saving on extra driver fees
Compare companies — fees vary a lot. Some loyalty programmes, motoring club memberships, and corporate rates waive additional driver charges. Add drivers at pickup rather than later, when it can be harder to amend the contract.
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.