A simples guide

Can young drivers drive their parents’ car without having insurance?

In short, no. It’s compulsory for all drivers to have valid insurance before they drive on a public road. This means as a minimum you must have third party cover that protects other people and their property in the event that you cause an accident.

Driving parents car without insurance

If you’re caught driving a vehicle you’re not insured to drive, the police could give you a fixed penalty of £300 and 6 penalty points on your licence. If the case were to go to court, they have the power to impose an unlimited fine and maybe disqualify you from driving.

Car wheel and sunset
Multiple keys

Named driver on the policy

Assuming you’re staying firmly within the law, it’s possible to drive a car when you are not the policyholder but you are a named driver on the policy. Here are a few different circumstances where this might happen:

1) You’re named as a driver on your parents’ car insurance policy. In this case, your parents will speak to their insurer and have you added to their policy.

They will have to pay an additional premium in order to do this, but you will then be able to drive the car under their policy. It’s important that the car belongs to them and that you’re an occasional driver and not the main driver.  If this is not the case, you may be guilty of ‘fronting’ which is fraud.

2) If you need to drive the car for a short period of time, say for a weekend, your parents could arrange temporary insurance cover for you. This means that you’ll be added as a named driver but only for a short, specific period of time.

3) If your parents take out ‘any driver’ cover on their vehicle then any driver can drive the car with their permission and be covered by their policy. We don’t offer this type of cover as there are often age restrictions excluding younger drivers, and these types of policy can be much more expensive than standard policies.

So why not start a quote with us today telling us a bit about you,  your car and the type of cover you require and we’ll do all the legwork for you– just see how much you could save!

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