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.
There are some great alternatives to adding your son or daughter as a named driver to your 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!
What are the benefits of adding your child as a named young driver to your policy?
Protected No Claims Discount
There's no risk to your No Claims if your named young driver needs to make a claim, and they can earn their own NCD on an annual policy.
No Night-time driving curfews
Policy holders can drive day or night with no curfews or night-time driving restrictions
Cover from provisional to full licence
For our annual cover option only, you can take insurance as a learner and it'll cover seamlessly to full licence holder.
Pay per mile cover option
Start the policy off with 500 miles insurance cover, and top-up as and when the miles are running low, so you only pay for what you use.
How it works
Now you know the benefits, you're probably wondering how it works - we've got good news for you, it's simple! Our Named Young Driver Insurance policy uses a black box, the telematics technology allows us to determine when the young driver is behind the wheel, to track their score, and when someone else is, to not track theirs. The black box analyses how the named young driver (also known as policyholder) drives, which helps us determine your driving style. Only dangerous driving is flagged to us, and it will affect the named young driver's driving score as each journey will be labelled as green, amber or red.
What is the alternative to adding a child to my insurance?
If you’re looking for a more flexible, and potentially more affordable option, to insure your child on your car, without risking your precious No Claims Discount, there are a range of alternatives.
Short Term Learner Insurance
Temp cover in a family or friend's car
- Instant online cover with no black box
- 30, 60, 90, 120, 180 and 240 day options
- Covers you during the driving test
- No risk to car owner’s No Claims Discount
Named Young Driver Insurance
Driving a parent’s car
- Alternative to being a named driver
- Earn your No Claims Discount
- Fully comprehensive cover
- No risk to parents’ No Claims
On a parent’s car
Start with 500 miles
- Comprehensive cover and no curfews
- No risk to car owner’s No Claims Discount
- Miles remain valid for 12 months
- Earn your own No Claims Discount for every claim-free year
- Insuring a young driver on a parent's car
Can I insure my son or daughter's car in my name, with them as a named driver, to make it cheaper?
In short, no. If the young driver is the main driver of the car it would be fraudulent to take insurance out saying you are the main driver. This is called "fronting" and you could risk invalidating the insurance and being refused insurance in future. It's just not worth it.
Will my child earn their own No Claims Discount as a named driver on my insurance policy?
No - when you add your child to your existing car insurance policy, they will not earn their own No Claims Discount. If you'd like your child to earn their own NCD, our Named Young Driver Insurance will allow them to do that. as the policy would sit separately to the main insurance of the car. It provides annual cover which means should they remain claim free for an entire year, the young driver can start to build their own NCB. And if they were to claim during the policy year, the NCB of the cars main insurance policy will remain unaffected, as they would be claiming on their own insurance.
Find the right cover for your child
We've created an online form with a few questions to help you figure out which Marmalade Insurance is best for your needs
How to fit a black box
Driving with a black box
