What does 'named driver' mean?

The term 'named driver' refers specifically to a driver who is explicitly listed in the insurance policy and is permitted to operate the insured vehicle. This inclusion provides clarity on who is covered under the policy, which can be crucial in determining liability and claims in the event of an accident. By specifying who the named drivers are, insurance providers can manage risk and avoid complications that might arise from unidentified or unauthorized drivers using the vehicle.

For instance, if an accident occurs while a named driver is operating the vehicle, the insurance coverage would apply accordingly. This contrasts with other situations where a driver is not specified or is a frequent, unrestricted driver of the vehicle, which may lead to gaps in coverage or disputes over claims.