Yes, we think it is – and here’s why. The price to add a young driver onto an existing insurance policy can be eye-watering (and that’s if you can get quote at all – some companies won’t cover young drivers). If you do get cover, and the young driver needs to make a claim, the parent’s hard earned No Claims Discount will be affected. Another thing to consider is there may be admin costs involved with adding and removing a named driver onto a policy – so if the young driver only plans on being covered for a couple of months, this makes it a very expensive way of doing things!

Pay as you go insurance is different. It’s a completely separate policy for the young driver that sits alongside the parents –and if the young driver does need to make a claim, Mum and Dad don’t have to worry about their NCD. Paying only for the miles used means a cost saving too – if the young driver won’t be driving all that much, why pay sky high premiums? It doesn’t make sense to us – and this is where this policy comes in. It saves money, time and a whole lot of hassle so the young driver can get on the road without all the fuss. If you're still unsure, we've written a guide on everything you need to know pay as you go insurance.