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Named car drivers

Named drivers are people you choose to drive your Motability car. Up to two named drivers are included as part of your lease; these can be yourself, friends, family or carers. You can also add a third driver for an additional cost.


Who can drive for you

In order to protect the Scheme, there are a few rules surrounding who can drive your car.

  • Named drivers must live within five miles of the disabled customer's address. We will, however, consider requests to include drivers outside of this range where this is essential to support the customer's mobility needs.
  • If none of the named drivers live at the disabled customer’s address, or the disabled customer lives in a care home where a number of drivers have access to the car, we may consider fitting a location tracker. This is to ensure the customer is gaining direct benefit from the car. We will always speak to the customer to discuss this in advance of a tracker being fitted.
  • Drivers under 25 are restricted to cars with an ABI Insurance Group 16 or lower and with a power output of 120 brakehorse power (BHP) or less (this does not apply to Wheelchair Accessible Vehicles). It is therefore important to consider whether you will require a driver aged under 25 during your lease before you choose your car. For more information on which cars are suitable, speak to your dealer or look up the car details on the Car Search
  • Only one named driver under 21 is permitted – this could be the disabled customer, or another driver living at the same address.
  • We will only accept drivers who have a legally valid driving licence. Drivers with a non-UK driving licence will be subject to additional checks.

Proposed drivers with certain convictions, disqualifications or endorsements within the last five years will not be allowed. Speak to your dealer or RSA Motability (RSAM)Opens in new window for more information.

Only drivers approved by RSA’s standard insurance underwriting criteria and named under the permitted drivers section of your Certificate of Motor Insurance are covered to drive your car.

Adding a driver at the start of your lease

When you place the order for your next car, you will need to tell your dealer about anyone you wish to drive the car, including yourself. This is the case even if you're keeping the same drivers as on your current lease. Named drivers will need to agree to abide by the Scheme guidelines and consent to having their details checked against the DVLA driver licence database.

Named drivers can give their consent with you to the dealership when you place your order. If your named drivers are not able to go with you then a Driver Fair Processing Declaration Form Will download a resource(PDF 147KB) must be completed and taken to your dealer, along with a copy of their driving licence. A copy of this form will be sent to you three months before the end of your lease along with your renewal pack.

How to order your Motability car

Changing a driver during your lease

If you wish to add or change a driver during your lease, simply call RSA Motability (RSAM) on 0300 037 3737 and they will make the changes for you. Only the customer or their nominee can request a change of driver. RSAM will need to speak to your proposed driver to get their consent for the licence details to be checked against the DVLA driver licence database, so they must be with you when you call. In addition, to consider insuring your new driver, RSAM will need to know their details including:

  • full name
  • driving licence number
  • any motoring convictions
  • previous loss, damage or insurance claims
  • date of birth
  • if they only have a provisional driving licence.


Do you need a third driver?

It may be possible to have more than two named drivers on your policy. If you would like to nominate a third driver, you may be able to add them by paying an extra charge. And if your circumstances change and you no longer need a third driver, you may be entitled to a refund. Charges will vary depending on the remaining length of your contract so it’s best to call RSAM on 0300 037 3737 for more information.

Temporary drivers

We understand that you may require a temporary driver from time to time, for example, when you go on holiday or relatives come to visit.  You can add a temporary driver at no extra charge. However, please note that if your temporary driver will be the third driver that you are adding to your lease, there will be an additional cost.

A temporary driver can be added onto your policy for up to 30 days at a time and must always abide by the Scheme rules and use the car for your benefit. If you rely on this driver multiple times throughout the year, they must be included on your Certificate of Motor Insurance as a permanent driver. Please remember that temporary driver additions cannot be used as a substitute for a permanent driver. Please call RSAM on 0300 037 3737 for more information.

Keep us informed

  • If your named drivers move address during your lease, you must inform the DVLA 
  • If a named driver is convicted of a motoring offence during the agreement, you must tell RSAM immediately to make sure you are still covered
  • You should let the DVLA know about any change in you or your driver’s mobility or health which might make driving unsafe. But if your GP has passed you to drive and the DVLA are aware of these changes you do not need to contact us.