Is it free to add a named driver?
There will probably be a fee to pay to adjust your policy to include a named driver, but this should just be a small one-off amount. The fee could be made of two parts: the premium increase, and an admin fee.
Is it cheaper to get on someone else’s insurance?
It’s generally cheaper – and easier – to add someone to an existing policy than to purchase a new one. And it’s much safer than having no coverage at all. Consider adding someone to your insurance if they: Get a driver’s license.
What happens if you are a named driver?
If you drive someone else’s vehicle then you will not be covered by their (the main driver) motor insurance policy – you must become a named driver on their policy. As a named driver you will be given the same level of cover as the vehicle’s main driver.