My child is at university but drives my car during the holidays — what is the best way to insure them?
What should you do?
- Tell the insurer where the student normally lives and when they will use the car.
- Compare annual named-driver and temporary-cover options.
- Check age, licence and excess restrictions.
- Make sure the true main driver remains correctly declared.
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.
Choose the arrangement that accurately reflects actual use, not simply the cheapest quote.
A named-driver arrangement, temporary cover or another option may be available depending on the insurer and circumstances. Make sure the person who genuinely drives the car most often is correctly identified and that cover is in force before each use.
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