Someone else may be able to drive your vehicle, but only if your policy permits that driver and the circumstances. A valid licence and your permission are important; they do not by themselves establish insurance cover.

Read the driver clause

The certificate and schedule may restrict driving to named people or define a wider permitted group. Check age, licence and experience conditions. If you cannot identify the clause that allows a proposed driver, obtain written confirmation before lending the vehicle.

Extra excesses can apply

A policy may apply an additional excess for certain drivers even when they are allowed to drive. Ask what you would contribute if that person crashed. Also confirm that the journey’s purpose is within the permitted use.

Regular drivers should be disclosed

Tell your representative if a spouse, child, employee or friend will drive regularly. Explain who is the main driver and whether any work or paid passenger use is involved. Update the arrangement when circumstances change.

Before handing over the keys

Check the licence, confirm permission under the policy and discuss what to do after an accident. Keep the insurer’s contact information available. Another person’s policy that says they may drive other vehicles should also be checked carefully for limitations.

Frequently asked questions

Does a named-driver policy cover all relatives?

Only if the wording permits them. Family relationship alone does not establish cover.

Can I add a driver later?

Ask for an endorsement and confirmation of the effective date before that person drives.

Discuss your motor insurance options

Discounted Premium Ltd can help you understand the available options and request a quotation for your circumstances. Have your vehicle details, intended use and driver information ready. Visit us at 42 Cork Street, Roseau, Dominica, or call 235-8294 or 818-7736. Message us on WhatsApp.

Related reading

Preparing a motor insurance quotation · Types of motor insurance

Earlier in this series

What Is a No-Claims Discount and How Does It Work? · How to Get Cheaper Car Insurance in Dominica · How Much Does Car Insurance Cost in Dominica? – 2026 Guide

This article provides general information. Cover, eligibility and claims depend on the insurer’s accepted terms, policy conditions, exclusions, limits and deductibles. Illustrative figures are not quotations or promises of settlement.