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Do we need family car insurance?

Do we need family car insurance?

If you have more than one driver living in your house, or even more than one car, it's worth looking at your options carefully when it comes to car insurance. Insuring yourself as a family, either by adding named drivers or taking out a multi-car policy, may help save you money.

Daniel Hutson
From the Motor team
minute read
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Posted 20 JULY 2020

Can I add family members to my existing car insurance policy?

Yes, you can. If you already have car insurance, you have the option of simply adding a family member as a named driver to your existing policy. This will allow the named driver to use the vehicle and be covered under the same insurance as the main driver.

The important thing with adding named drivers is that the person who drives the car most often must be the main or primary driver. That doesn't necessarily have to be the owner of the car, but your insurance premium will be based on the assumption that the main driver will be doing most of the driving.

Naming someone falsely as the main driver in order to lower the cost of your insurance premium is called fronting. Fronting is a form of insurance fraud. If you are found guilty of fronting, you could invalidate your policy and it could make it harder and more expensive for you to get insurance in the future.

What’s short-term insurance?

A short-term or temporary car insurance policy provides cover for a named driver for an agreed period of time – usually between one and 28 days. For example, if your student son or daughter comes back home for the holidays and wants to borrow the family car. They’ll have the same level of cover as the main driver but could have a higher excess – check with your insurance provider for details.

Can I insure multiple cars on a single policy?

Usually, yes, you can. Some insurance providers now offer the option to insure several cars on a single policy with a single premium. Some of them call these 'family' plans and some may refer to them as multi-car policies.

These multi-car policies can be a win-win. Insurance providers use offers to entice you into taking out extra insurance with them. But if they're prepared to give you substantial savings for doing so, it can help reduce your car insurance costs. In the end, the second car you insure with the same insurance provider will typically cost less than it would to insure alone.

Sometimes the discounts increase the more cars you add. Again, though, you'll have to look at each insurance provider's offer to find the option that suits you.

Can you get family car insurance if you're unmarried?

Yes. If you're living in the same house but aren't married, you and your partner can still get family/multi-car insurance.

When would it NOT be a good idea to opt for family car insurance?

If someone in your household has a poor driving record, a previous conviction or is under the age of 25, it may be cheaper to opt for separate policies. However, the only way to find out for sure would be to compare car insurance quotes with a variety of different insurance providers.

Which family cars are the cheapest to insure?

The price you pay for your car insurance will depend on the value of your vehicle, your driving record, and your chosen insurance provider. Therefore, it's a good idea to find out how much it could cost to insure a vehicle before choosing which car to buy.

Remember, there are 50 car insurance groups in the UK, and the higher the number of the group, the more you can expect to pay to insure it. This means that if you want to keep your insurance costs down, look at the insurance group for any vehicles you purchase and avoid the higher numbers where you can. Use our Car Insurance Group Checker for more information. 

These are the top 8 cheapest cars to insure in the UK at the moment, according to Compare the Market data from 1 March 2020 to 1 June 2020**:

Car model Average premium
Kia Sportage  £366.36
Dacia Sandero £376.83
Citroen C3 Picasso £385.70
Fiat Panda £389.60
Vauxhall Mokka £391.76
Ford C-Max Titanium £391.76
Honda Jazz £394.64
Mini Countryman Cooper £395.64


Compare and save

You can compare car insurance quotes to make sure that your family is covered when it comes to each of their car insurance needs. Compare the Market doesn't currently compare multi-car policies.

By running a quote for each of your vehicles or with named driver details added, you can check that you're getting the right level of cover and a great deal for you. You can also save and retrieve quotes from your Compare the Market account any time, so you'll also be able to compare your individual quotes to any multi-car policies you may be offered by providers.

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