Can I get insurance on my parents' car insurance policy? |

A simples guide

Can I get insured on my parents’ car insurance policy?

Whether you hold a provisional licence or a full driving licence, it’s possible to be added as a named driver to your parents’ car insurance. Before you ask them, though, there’s a few things that you (and they) ought to know.

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Becoming a named driver on your parents’ car insurance 

You can be added as a named driver to your parents’ car insurance as long as you’re not the main driver and you only occasionally borrow their car. Adding you as a named driver will increase their insurance premium, but it probably won’t go up by as much as it would cost you to take out your own car insurance.

What is fronting?

Fronting usually happens when a more experienced driver (one of your parents, for example) insures a car in their name, but a younger driver (you) actually uses the car most often. The aim of this is to reduce the young driver’s premium.

At best, fronting could invalidate a car insurance policy and may lead to a conviction for driving without insurance. At worst, it could result in a prosecution for fraud and a criminal record.

Can I build a no claims discount if I’m a named driver?

One of the disadvantages of being a named driver is that, typically, you aren’t able to build up a no claims discount – also known as a no claims bonus – on that policy. Depending on the insurance provider, it’s usually only the policy holder or the main driver who can build up a no claims discount.

That said, there are some insurance providers who may take your experience as a named driver into account, provided you take out your own car insurance policy with them in the future. It’s worth checking with the provider to see if this is possible.

Consider short-term insurance

A short-term or temporary car insurance policy will provide cover from one day up to 28 days. It’s a good solution if you’re back from university for the holidays and want to use your parents’ car. It’s worth checking out because it could shave money off your parent’s policy if you’re not always on the insurance. Just bear in mind that it may not be that cost effective once any administration fees are factored in.

How can I reduce the cost of car insurance?

If you’ve take out your own car insurance, there are some simple things you can do that could drive down the cost of your premium:

  • Choose your car carefully - As a general rule, the more powerful and bigger the engine, the more expensive the insurance will be. It might not be the car you’ve always wanted, but a modest run-around will be more cost effective.
  • Security - Fitting your car with an approved security system or immobiliser could save you a few pounds.
  • Mileage - Try to be accurate when predicting your mileage; rounding up could push you into the next price bracket for insurance.
  • Consider telematics or black box insurance - This monitors how and when you drive. If you’re considered a good driver, it could see your premium lowered over time.
  • Pay up - If you can, pay your premium in one go rather than by monthly instalments, as you may be charged interest on the instalments.

How can I find cheap car insurance?

Start a quote with us today. Tell us a bit about yourself, your car and the type of cover you need and we’ll do all the legwork for you. We’ll show you policies based on price, policy cover level, add-ons or annual or monthly payment terms – helping you find a policy that suits your needs

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