Regular use can be covered by adding the adult child as a named driver where the insurer accepts them. Short-term insurance is another separate product for temporary use. The two arrangements have different pricing and terms.

How insurers commonly treat this

• A named driver is covered under the parent's policy subject to its terms.
• Temporary insurance is a separate contract for a specified period.
• A driving-other-cars extension on the child's own policy, if present, has separate restrictions and is not equivalent to being a named 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.