Can my son obtain his own insurance without owning his own car?

Tuesday, 14 February 2012 02:08

Vanessa Chance, an insurance expert from LV, answers the question:-

Elisabeth asks:-

My son has just passed his driving licence.  Will he be able to drive my daughters car and my own car which are insured under our respective names without obtaining his own insurance ? Can he obtain his own insurance without owning his own car ?

Vanessa answers:-

Your son will not be able to drive either car legally unless he has insurance to drive that car. You could add him to your insurance policy as a ‘named driver’, which would cover him for when he drives your car as long as you remain the main driver of the car; the same applies for your daughter’s car and her policy. You can’t have more than one insurance policy for a car at the same time and there is no need to as you can add other drivers to a policy.

Your son can take out insurance for a car that he does not own as long as he has the owner’s permission to drive the car and there is no other insurance policy in force for that car. Insurers will look at who drives the car most and is in fact the main driver when assessing the risk of the policy, regardless of who is the registered keeper of the car.

If you have a question for Emma or Vanessa, go to the Ask the Insurance Expert section.

Or for more information on your insurance options go to LV's insurance site.

Read more: How to get cheaper car insurance if you are young

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