Not necessarily.

Commercial Motor insurers have different rules about which drivers must be individually disclosed or listed.

However, regular drivers and drivers with characteristics that can affect underwriting should be disclosed.

This can include drivers who:

• Are younger or inexperienced
• Hold provisional or restricted licences
• Have previous claims or accidents
• Have driving offences
• Require a particular licence for the vehicle
• Regularly operate heavy or specialised vehicles

What about occasional drivers? #

Some policies allow occasional or unlisted drivers, but different:

• Excesses
• Age excesses
• Restrictions
• Conditions
• Exclusions

may apply.

Do not assume an unlisted driver is automatically covered on the same terms as a listed driver.

If employees, subcontractors or family members use a business vehicle, tell us how the vehicle is used and who regularly drives it.

Contact our team if a regular driver changes or you are unsure about your policy’s driver requirements.