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) need to know.

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) need to know.

Julie Daniels
Insurance expert
minute read
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Posted 5 NOVEMBER 2019

How can I become a named driver on my 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 drive 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 is a type of insurance fraud. It usually happens when a more experienced driver (one of your parents, for example) insures a car in their name, but a younger driver (you) - uses the car most often.

While it may seem like a good way to get cheaper insurance, fronting is illegal. At the very least, your insurance will be invalidated, and worst case, you could be prosecuted and end up with a criminal record.

Why is young drivers car insurance so expensive?

Young drivers typically pay more for their insurance because they’re considered a higher risk on the roads. Drivers aged 17-24, are statistically more likely to be involved in an accident within a year of passing their test. Two of the main factors that contribute to a higher accident risk for young drivers are lack of experience, and often, overconfidence in their abilities.

The higher the risk, the more chance of making a claim, so insurance providers charge young drivers more to reflect this.

Your parents, on the other hand, will have probably been driving for a lot longer and may have built up a decent no claims history, so their insurance costs are likely to be much less. Being named as a driver on their policy is one way of lowering your insurance costs. It may increase their premium, but it might be more cost-effective than taking out your own policy.

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

Not usually, no. Depending on the insurance provider, it's usually only the policy holder or the main driver who can build up a no claims discount on that policy.

That said, there are some insurance providers that 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 insurance provider to see if this is possible.

Is short term insurance a good option to consider?

Short term or temporary insurance is 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 their insurance. But you’ll need to do the sums to work out if it's more cost-effective than being added as a named driver.

How can I reduce the cost of car insurance?

Moving up from ‘borrowing’ mum or dad’s car to buying your own, might come as a bit of a shock when you start adding up the running costs. Luckily, there are a few things you can do to help cut 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 dreamed of, but a modest run-around will be more cost- effective. Cars in insurance groups 1-10 are typically the cheapest to insure for young drivers.
  • Add security features – fitting your car with an approved security system or immobiliser  could save you money.
  • Provide an accurate 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 can show you’re a safe and responsible driver, you could be rewarded with a cheaper premium. According to Compare the Market data, teenage drivers could save more than £1,000 by switching to a telematics policy.
  • Pay up front for the year – if you can, pay your premium in one go for the whole year. It could work out cheaper than paying monthly, which usually has added interest on the instalments.
  • Compare car insurance quotes – shopping around and comparing quotes is one of the best ways to find a cheaper deal.

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