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28Aug/090

Add Named Driver

To add Named Driver (aka Authorized Driver), insurers requires the following:

  1. Full Name
  2. Date of Birth
  3. NRIC / PP No.
  4. Occupation
  5. Driving Experience (from date of Driving License)
  6. Demerit Points (if applicable)
  7. Accident Claims in last 3 years (if applicable)

Kindly note that premiums may increase if the Named Driver has high claims experience or young driver.

29Jul/090

Why is it a good idea to tell my insurer who will be using the vehicle?

Why is it a good idea to tell my insurer who will be using the vehicle?

Declaring the names of the people who will be regularly driving your vehicle allows your insurer to assess the risk profile accurately and set the appropriate premium and excess.

You are required to fully disclose information that may have a bearing on your policy cover. If your vehicle is damaged while being driven by a person not named in your policy, the insurer may apply a higher excess due to the unknown risk covered.

If the vehicle is damaged while being driven by a young or inexperienced driver not named in the policy, you may be charged a higher additional excess because the driver represents a higher degree of risk. The definition of young and inexperienced driver varies from insurer to insurer. Please check the definition in your policy.

For some vehicles, such as high-performance cars, your insurer may specify that coverage will only apply to drivers named in the policy, i.e. authorised drivers.

[source: General Insurance Association of Singapore]