Add on temporary driver to Direct Line Insurance Policy

Posted 18th Mar 2021

My policy is almost due for renewal which at present I have my two daughters on. However they very rarely drive the car and I'm considering just using the add on temporary driver if and when need as it'll save me about £70. I would be grateful if anyone who has used this could give me an idea of what they have been charged and if there is an Administration fee added on. Both daughters are in their 30s have been driving for over 13yrs and have no convictions.
Many thanks in advance.

22 Comments

sorted by

justanothercid
18th Mar 2021
Why not ask the kids for £35 a year for access to the car?
Tom.Wilson
18th Mar 2021
ding18/03/2021 10:17
Have your daughters not got the part on their own insurance that lets them …Have your daughters not got the part on their own insurance that lets them drive any car therefore they will be covered on their own insurance

That's only third party cover. Presumably the OP wants them to be comprehensively covered.
ding
18th Mar 2021
Have your daughters not got the part on their own insurance that lets them drive any car therefore they will be covered on their own insurance
ding
18th Mar 2021
Tom.Wilson18/03/2021 10:22
That's only third party cover. Presumably the OP wants them to be …That's only third party cover. Presumably the OP wants them to be comprehensively covered.

kaisel18/03/2021 10:22
Yes but it's not fully comp when driving someone else's car. It would only …Yes but it's not fully comp when driving someone else's car. It would only be third party.

justanothercid18/03/2021 10:23
That would normally be on a 3rd party basis.. for £70 for peace of mind if …That would normally be on a 3rd party basis.. for £70 for peace of mind if you or they can afford it I would leave it on.. means no phone calls they just say can I have the car and away they go if it’s available vs ok need to call.. ah corona they have shut for the week.. ah this queue is huge.. got them ok that £70 for the week.: what!!! Well it’s probably £35 for the week and £35 admin charge cuz they gonna make money....

Fair enough then i suppose £70 is a small price to pay for peace of mind
kaisel Author
18th Mar 2021
They both have their own cars so basically it's just for my peace of mind that if either of them need it when they visit or a car breaks down I could let them use mine.
Big_Rik
18th Mar 2021
I'm with Hastings (off topic,but their online service is useless), cost me £35 to add my daughter onto my car for a week while she was waiting on her new car. So £70 seems pretty good, as temporary might be quite expensive
kaisel Author
18th Mar 2021
Yes but it's not fully comp when driving someone else's car. It would only be third party.
justanothercid
18th Mar 2021
ding18/03/2021 10:17
Have your daughters not got the part on their own insurance that lets them …Have your daughters not got the part on their own insurance that lets them drive any car therefore they will be covered on their own insurance

That would normally be on a 3rd party basis.. for £70 for peace of mind if you or they can afford it I would leave it on.. means no phone calls they just say can I have the car and away they go if it’s available vs ok need to call.. ah corona they have shut for the week.. ah this queue is huge.. got them ok that £70 for the week.: what!!! Well it’s probably £35 for the week and £35 admin charge cuz they gonna make money....
Backinamo
18th Mar 2021
I think I looked into adding my sister onto my policy when she was visiting from abroad. Pretty sure it was better to leave her on for the whole year with admin charges.

The £35 admin charge quoted above (plus increase in policy) sounds about my experience from memory. (edited)
justanothercid
18th Mar 2021
ding18/03/2021 10:27
Fair enough then i suppose £70 is a small price to pay for peace of mind

You could put a voucher in each birthday card and state they have access to the car happy birthday
paul_merton
18th Mar 2021
PAcdbOoAct18/03/2021 12:19
Comment deleted

They will have informed them as it would be quite obvious from the policy text.
What you really mean is that people are being careless and not reading it.
Xiwt
18th Mar 2021
Just call your insurer and ask them directly - it (the cost) depends on all sorts of factors that you might not necessarily want to give out on this forum.
michelleradford75
18th Mar 2021
I added my son onto my Direct Line as a temp driver over weekends he was home from College. He was 18 and recently passed his test. It was around £20 for fri evening to Sun evening.

You can add them for longer periods but I dont know cost. Id just ring Direct Line and ask them.

There is a limit to the number of times a year you can do it.
Deedie
18th Mar 2021
I always add a second driver onto my car. Seems to make my policy cheaper every time. I add them whether they will be using the car or not (edited)
Anonymous User
18th Mar 2021
I genuinely think you need to get more quotes at renewal, as there shouldn't be a big difference in having experienced drivers on your policy. If anything the price can actually go down as mentioned above... Definitely don't do temporary driver cover as you will be charged admin fees every time.
MrWalle
18th Mar 2021
What about separate temp insurance? I used this when my daughters were learning to drive was much cheaper than adding them to my policy. There is a few available but I used aviva
IAmATeaf
18th Mar 2021
Have you actually done a quote, you might find that removing them may actually increase the insurance cost?

Another thing to be wary of is if there is a max no of days, so for Hastings you can only temp add a person for a max of 28 days and you can only do that twice in the year.
wanderer
18th Mar 2021
ding18/03/2021 10:17
Have your daughters not got the part on their own insurance that lets them …Have your daughters not got the part on their own insurance that lets them drive any car therefore they will be covered on their own insurance

Also most policies have the under 21 or 25 clause, found out the hard way when I was younger being cocky to a copper by waving my insurance document to which he pointed out I can't drive my mates car due to the age clause and ended up with6 points

The policy said 3rd party cover on other vehicles if insured but failed to see the star at the end of the wording (edited)
kaisel Author
18th Mar 2021
Thanks everyone I actually have my renewal quote in and it’s £322 for 4 of us on the policy. £256 to remove them. But I’ve been online and got a slightly cheaper quote to keep everyone on it. So I’ll call and hopefully they’ll match it. Thanks to everyone that had helped me with replies.
Tom.Wilson
18th Mar 2021
PAcdbOoAct18/03/2021 17:36
Comment deleted

Which is why you have a cooling off period.
IAmATeaf
18th Mar 2021
Tom.Wilson18/03/2021 17:41
Which is why you have a cooling off period.

I’m sure read that you can be charged even during the cool off period if you decide to cancel.
Tom.Wilson
18th Mar 2021
IAmATeaf18/03/2021 20:32
I’m sure read that you can be charged even during the cool off period if y …I’m sure read that you can be charged even during the cool off period if you decide to cancel.

A small admin fee and premiums for the days used, which frankly is fair enough?