Insurers distinguish between the main driver and additional named drivers according to actual use of the car. They also commonly ask where the vehicle is normally kept overnight.

How insurers commonly treat this

• If the student has primary use of the vehicle, that use needs to be reflected in the quotation.
• If the vehicle remains at the family home and the student drives it only occasionally, the pattern of use is different.
• Term-time and home addresses can both be relevant to the insurer's questions.

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.