My adult son or daughter has moved back home and occasionally drives my car — should I add them to my policy?
What should you do?
- Do not assume their own comprehensive policy automatically lets them drive your car.
- Be accurate about who is the main driver.
- Tell the insurer where the car is normally kept and how each driver uses it.
- Ask whether adding them changes the excess or policy restrictions.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
Misrepresenting a regular main driver as an occasional named driver can amount to fronting.
If your son or daughter will drive the car, they need valid insurance to do so. If they are added as a named driver, be accurate about who actually uses the vehicle most often and avoid any arrangement that misstates the main driver.
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