‘Should I add my son or daughter as a named driver?’
– It’s a question we hear a lot, so 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, is my no claims discount 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 Bonus, and allows your son or daughter to drive your car on an occasional basis.
Will they get their own no claims bonus?
If your child is a named driver on your 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.
The new driver insurance described above, means that a claim-free year will result in your child earning a year’s No Claims Bonus!
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 practice before their test, our Learner Driver Insurance may be the perfect way to go. Our cover is available for 30, 60 or 90 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.
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 New 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, 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, and it’s also important to be aware that whichever route you choose, they won’t be insured as the main driver.
Named Young Driver Insurance→
Get annual cover before and after you pass your test on a parents car!