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 whether it’s possible to add your child to your car insurance.
There are a few 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
Policyholders 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, learners can get insurance that’ll cover them until they’re full licence holders.
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 and track their score. When someone else is driving, we don’t 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) way 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 added as a named driver
- Earn your own No Claims Discount
- Comprehensive cover
- No risk to car owner's No Claims Discount
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 because the policy would sit separately to the main insurance on 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 car’s main insurance policy will remain unaffected. That’s because the young driver would be claiming on their own insurance.
Find appropriate 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
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