Driver Hub  Parent advice  Parents of new drivers   Should I add my child to my car insurance policy?
Legs out of car window

Should I add my child to my car insurance policy?

We Are Marmalade profile

We Are Marmalade

February 5, 2020

Parent advice 5 min read

It’s a question we hear a lot. Many parent’s believe the only way to get their child being the wheel of their car is to add them to their own insurance policy. Unfortunately, this can come at a hefty price and put your hard earned No Claims Discount at risk. Luckily, there’s a solution that should save you time, money and stress – here’s our guide to getting your child behind the wheel of your car

The world of car insurance is a confusing one, there is no getting away from that, but we are here to try and make it as simple and straightforward as possible. Let’s look at adding your child as a named driver, as well as the other options you have for insuring your son or daughter drive you car.

If they have a claim, will my No Claims Discount be affected?

  • If you add your child as a named driver to your insurance policy and they have an accident, your No Claims Discount may be affected.
  • For learners, our Learner Driver Insurance sits beside your insurance for short term cover, so any claim would be made on this policy – leaving your policy and No Claims Discount untarnished.
  • We have our Named Young Driver Insurance on the family car for provisional and full licence holders. This annual policy protects your No Claims Discount and allows your son or daughter to drive your car on an occasional basis.

Will they get their own No Claims Discount?

If your child is a named driver on your existing insurance policy, it means they won’t be earning their No Claims Discount. At the beginning when insurance premiums are so high for new drivers, adding your child to your policy may seem like the perfect solution, but remember, as soon as they decide to get their own policy with zero no claims discount behind them, they are likely to be in the same situation they are now just in a few years’ time.
Marmalade’s Named Young Driver Insurance means that a claim-free year will result in your child earning a year’s No Claims Discount even though the annual policy is on your car!

Am I going to be out of pocket?

Adding a young or inexperienced driver onto your insurance policy can rack up your premium. Your insurer may see your child as higher risk and therefore put the prices up to cover any claims that may happen. It could be one price for when they are a provisional license holder, and another price when they’ve passed! (When your child has passed their test, although it means they are now a better driver, your insurer can increase the price even more, as they are now able to drive without supervision).

If you’re looking for your child to use your car to get in extra practise before their test, our Learner Driver Insurance may be the perfect way to go. Our cover is available for 30, 60, 90, 180 and 365 days and then can be topped up for 7 or 14 days at a time thereafter. This means instead of adding your child as a named driver for the rest of the policy year, just cover them for a long or a little time that they need until they pass their test.

What will happen once they’ve passed?

When your child passes their test, it should be celebrated, not a time filled with dread about now having to pay more for the insurance! Our Named Young Driver Insurance can cover your child before and after they pass, and there is no increase in price once they do pass, so instead of worrying about the price of the insurance premium. This also applies to our Black Box Insurance policy – it’s the same thing, but on a car, your child owns and there’s still not a premium increase insight when they pass their test! That way you don’t have to worry about paying more for insurance – you can stick to worrying about them driving on their own!

Whether you add your son or daughter as a named driver, or they have their own policy to drive your car, it’s a big deal for both of you. Don’t forget the rules and regulations around supervising a learner driver!

Named Young Driver Insurance→

Get annual cover before and after you pass your test on a parents car!

We Are Marmalade profile

By We Are Marmalade

'We champion young drivers with award-winning low cost insurance for learner and new drivers and a great young drivers' car scheme.'  See more posts by We Are

Share this article

Angry man in car pointing
Learning to drive News Young driver stories 6 min read

Victims of road rage - Learner driver stories

Chloe Martell profile

Chloe Martell

October 17, 2019

As many of you know, we’re petitioning for change on how learner drivers are treated when they’re on the roads. Astonishingly, 90% of learner drivers have been subject to tailgating and overtaking when in their…Read more

Young girl in car
Driving advice Owning a car Young driver stories 6 min read

Kimberley's MOT misery

Kimberley Dodge profile

Kimberley Dodge

September 27, 2019

Fear. Dread. Horror. No, I’m not talking about the rush of panic when you spot a spider in your bedroom. I’m talking about the stab of fright that pierces your heart when you hear the…Read more

Interior Audi A1 steering wheel
Owning a car 7 min read

Audi A1 - Chloe's review

Chloe Martell profile

Chloe Martell

March 7, 2020

As a young driver, whilst I like to think that reading reviews about cars from petrol heads will help me when it comes to choosing my car, it really doesn’t. I want to know what…Read more