Adding a parent as a named driver tells the insurer that the parent may drive the vehicle. The effect on premium can be an increase or decrease depending on the insurer and the drivers' details.

How insurers commonly treat this

• The person who uses the car most is normally described as the main driver.
• The named driver's age, licence, claims and convictions form part of the quotation.
• Listing a person as a named driver does not make them the main driver.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.