This is actually a good question that I never thought of before. What is the point of adding an "extra driver"? Legally if a person has a valid license they can drive any car that anyone owns. So if pulled over, a cop really has nothing to say so long as the car is legal and insured and the driver is licensed. And if the driver has his own insurance then he would be covered for an accident. So what really is the need to have his name on the contract?