Generally speaking, a named driver is someone who is specifically listed on your insurance policy as an authorized driver of your vehicle. This means that they have permission to drive your car and are covered by your insurance in the event of an accident. Named drivers typically must meet certain criteria, such as age, driving experience, and good driving record, in order to be added to your policy.
In some cases, you may be able to add a named driver to your policy even if they do not live in the same household as you. However, there may be additional costs or restrictions associated with this, so be sure to ask your insurance company about the details.
It's important to note that the coverage for a named driver may not be exactly the same as the coverage you have for yourself. For example, some policies may only provide liability coverage for named drivers, while others may provide full coverage. Again, it's best to check with your insurance company to understand the exact coverage that applies to your named driver.
