Can I add my child as a named driver to my insurance?
'Should I add my son or daughter as a named driver?' - It's a question we hear a lot, so read our guide to getting your child behind the wheel of your car.
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Will adding my child as a named driver increase my car insurance premium?
Wondering if you can add a young named driver to your car insurance? If you’re a parent looking to insure your child to drive your car, you’ve probably got questions around what’s possible and the cheapest way to add your child to your car insurance.
Spoiler! There are some great alternatives to adding your son or daughter as a named driver to you insurance. In this guide, we’ll answer your questions about adding a named driver and cover some of the other options - that may save you money, and hassle!
Can I insure my son or daughter's car in my name, with them as a named driver, to make it cheaper?
Will my child earn their own No Claims Discount as a named driver on my insurance policy?
Pros and cons of adding your child as a named driver to your existing insurance
- It is easy to administer, as your insurance will be in one place.
- It helps the young driver to gain or maintain their driving skills if they don't have their own car.
Marmalade offers a range of alternatives that offer the benefits of adding a named driver, without the cons!
- Adding an inexperienced driver to your policy could rack up your insurance premium.
- Your No Claims Discount would be affected if the young driver made a claim.
- A named driver on your insurance won’t earn their own No Claims Discount.
- If you add a learner to your policy the premium may rise after they pass their test or your insurer may cease to cover them.
Marmalade offers a range of alternatives that offer the benefits of adding a named driver, without the cons!
GOOD NEWS!
How much will it cost to add a named driver?
That’s why we think it’s a good idea to consider alternatives. For the same mother and daughter¹ , Marmalade’s stand-alone Named Young Driver policy would cost £991.47 per year, (£958.53 cheaper than the young driver being added to the parent’s insurance) or, if they wanted more flexibility to just pay for the miles they drive, our Pay As You Go policy worked out at £252.76 for the first 500 miles with top ups starting from as little as £29.
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What is the alternative to adding a child to my insurance?
Monthly Learner Driver Insurance
Cover in a family or friend’s car
Short term cover from 1-6 months- Cover from £1.23 per day
- No risk to the owner’s No Claims Discount
- They can earn a loyalty discount of up to 10%*
Named Young Driver Insurance
Ideal for sharing a parent’s car
- Seamless cover from learner to full licence
- Annual cover for up to 10,000 miles per year*
- No price increase for learners who pass their test
- Young driver earns their own No Claims Discount
Pay As You Go Insurance
Ideal for students
- Only pay for the miles they drive
- Top up as and when they need to
- Comprehensive cover for provisional and full licence holders
- Drivers can build their No Claims Discount
