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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.

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.

Daniel Hutson
From the Motor team
4
minute read
Do you know someone who could benefit from this article?
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 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 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) actually uses the car most often. The aim of this is to reduce the young driver's premium.

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

Usually, no. 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 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. 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?

You could reduce the cost of car insurance by:

  • choosing 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
  • add security features – fitting your car with an approved security system or immobiliser could save you a few pounds
  • 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'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 in monthly instalments, as you may be charged interest on the instalments
  • compare car insurance quotes – finding the right deal and the right insurance provider to suit your needs is essential

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