{"id":190607,"date":"2019-04-30T11:35:21","date_gmt":"2019-04-30T10:35:21","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=190607"},"modified":"2024-06-22T15:15:03","modified_gmt":"2024-06-22T14:15:03","slug":"how-to-save-by-adding-kids-to-parents-car-insurance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/how-to-save-by-adding-kids-to-parents-car-insurance","title":{"rendered":"How to save by adding kids to parents&#8217; car insurance"},"content":{"rendered":"<p>Some teenagers are more responsible than others. However, if someone\u2019s under 21 and has recently passed their driving test, car insurance companies won\u2019t take any chances that they\u2019re the responsible type. Statistically, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\">younger drivers<\/a> are more likely (on average) to make a claim, and all young drivers are likely to be painted with this brush until they prove otherwise. This is tricky if they\u2019ve only just passed their test. However, there are ways to lower car insurance premiums for teenagers. One of the main ones is for a parent to add their kids to their own car insurance. We explain why and how.<\/p><h3>Can a parent add their child to their car insurance policy?<\/h3><p>Yes. Whether their child is learning to drive or has just passed their test, parents can put them down as a \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a>\u201d or \u201cadditional driver\u201d on their car insurance policy. A parent can do this when they first take out their policy, or contact their insurer to add an additional driver mid-term \u2013 when a child passes their driving test, for example. The latter might incur an admin fee.<\/p><h3>Is it worth adding a teen driver to a parent\u2019s car insurance policy?<\/h3><p>It\u2019s certainly worth considering if a son or daughter living at home has just passed their driving test and wants regular access to their parent\u2019s car. Adding them as a named driver may be cheaper than them taking out their own insurance policy (though not always).<\/p><p>But it\u2019s not without its downsides. Importantly, if they\u2019re a named driver, they must drive the car less than the person who\u2019s listed as the main driver of the car (i.e. their parent).<\/p><h3>Who are the main and named drivers on a car insurance policy, and why does it matter?<\/h3><p>The main driver listed on a car insurance policy must be the person that uses the car the most. Any named drivers, such as sons or daughters, must drive the car less often.<\/p><p>If, in practice, it\u2019s the other way round \u2013 unintentionally or deliberately \u2013 you could be guilty of a type of car insurance fraud called \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-fronting\">fronting<\/a>\u201c. This is when a more experienced driver lists someone who is younger and higher risk as a named driver on their policy, when in reality they\u2019re the one using the car the most. A mum or a dad might do this to lower the cost of their child\u2019s car insurance premium, but it is illegal and can void your insurance.<\/p><p>If you\u2019re found guilty of fronting, your insurer may also choose to add you to the Insurance Fraud Register, to which most insurers have access. This could mean that the cost of buying car insurance in the future is much higher. Some insurers may even refuse to cover you.<\/p><h3>What are the risks of adding a young named driver to a parent\u2019s car insurance policy?<\/h3><p>Other than the risk of inadvertently falling foul of the laws around \u201cfronting\u201d, there are a couple of risks to be aware of.<\/p><ul><li>The parent\u2019s premiums are likely to increase substantially, to cover the cost of adding a higher-risk driver to their policy.<\/li><li>If a named driver is added to a policy part way through an insurance term, it will likely incur an amendment fee.<\/li><li>If the young named driver has an accident, their parent will have to claim against their policy. This could wipe out some or all of the parent\u2019s <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no-claims<\/a> years and mean that underlying premiums rise at their next renewal.<\/li><\/ul><h3>How much does it cost to add a teenager to a parent\u2019s car insurance?<\/h3><p>Having a child as a named or additional driver will push insurance costs up for the parent. That\u2019s because the insurance company knows that a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/high-risk-car-insurance\">higher risk driver<\/a> will be using the car from time to time. However, depending on the details, it may be cheaper than a teenager taking out their own policy.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/car-insurance\/confusedcom-uk-secure.html\">Compare quotes with Confused.<\/a><\/p><h4>Worked example: How much could adding a young named driver cost?<\/h4><p>We ran some quotes on behalf of a fictional driver, Mary \u2013 a 50-year-old teacher, Berkshire resident and Honda Jazz driver, who needs to renew her car insurance. She\u2019s a safe driver with a clean driving record and 10 years of no-claims bonus, so we\u2019re confident her premiums will be reasonable.<\/p><p>But there\u2019s a snag. Mary\u2019s 18-year-old daughter, Holly, has just passed her driving test, and is clamouring to be allowed behind the wheel unsupervised. With some trepidation, Mary agrees to look into it, but also asks Holly to get a quote to take out her own policy on Mary\u2019s Honda. You can see the results in the table below.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th>Cheapest quote for\u2026<\/th><th>Price<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Just Mary<\/th><td>\u00a3219.90<\/td><\/tr><tr><th>Adding Holly as a named driver on Mary\u2019s policy<\/th><td>\u00a31,503.99*<\/td><\/tr><tr><th>Just Holly<\/th><p>\u00a31,215.17*<br><\/p><\/tr><\/tbody><\/table><p>*Black-box policy<\/p><p>Our example shows that adding a newly-qualified child to a parent\u2019s policy is no small ask. In fact, in this case, it would be cheaper for Holly to take out her own policy on Mary\u2019s Jazz than for Mary to add her as a named driver. This won\u2019t always be the case, but it shows that it\u2019s worth checking all your options before deciding on a specific route.<\/p><h3>If a young named driver makes a claim, will their parent\u2019s no-claims discount be affected?<\/h3><p>Potentially. Named drivers are insured on the same policy, and under the same terms, as the main driver. This means the policyholder takes on responsibility for any claims they cause. So even if the named driver is responsible for an incident, it\u2019s their parent (as the policyholder) that will need to make the claim.<\/p><p>Depending on whether their <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no claims bonus<\/a> \u2013 and the conditions attached to their no claims bonus protection \u2013 is protected, this could wipe out some or all of their no claims years. Even if they don\u2019t lose any of their no claims discount, they may still see their underlying premium rise when they come to renew.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/1 no-padding-bottom\"><h3 class=\"has-padding-bottom-x-small\">Will a young named driver build up their own no claims discount?<\/h3><\/div><div class=\"u-grid__col u-1\/6@s\"><p><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\" alt=\"Danny Butler\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/p><div class=\"has-padding-top-small text-x-small\"><em>Finder insurance expert <a href=\"https:\/\/www.finder.com\/uk\/author\/dannybutler\">Danny Butler<\/a> answers <\/em><\/div><\/div><div class=\"u-grid__col u-10\/12@s no-padding-bottom\"><p>Building up a no claims discount is one of the best ways to cut the cost of car insurance. But, unfortunately, policies rarely allow named drivers to build up their own no claims bonus. This could put young drivers off being named on a parent\u2019s policy as, even if they never cause a claim to be made, their careful driving won\u2019t usually count when they come to take out their own insurance.<\/p><p>There are some exceptions to the rule, though, and these are worth looking out for (provided they\u2019re competitively priced in the first place). Even a single year of no claims bonus can shave 30% off the next year\u2019s premiums. That\u2019s not to be sniffed at \u2013 especially given that young drivers typically incur very high car insurance costs.<\/p><p>Insurers are more likely to offer discounts on the condition that a young named driver stays with them when it\u2019s time to take out their own policy. If this is the case, it\u2019s probably still worth a young driver comparing the cost of policies without a discount when they come to buy their own cover. Prices can vary dramatically between insurers. Another insurer\u2019s un-discounted policy might be cheaper than sticking with an existing insurer\u2019s discounted policy.<\/p><\/div><\/div><\/div><\/article><h3>How long can a child stay on their parent\u2019s car insurance policy?<\/h3><p>You can add anyone you like as a named driver on your car insurance policy, whatever their age and whether they\u2019re related to you or not. As such, there\u2019s no age limit or cut-off point for a parent listing their child as a named driver \u2013 provided that they don\u2019t end up driving the car more than you. If they do, they\u2019ll need to be listed as the main driver.<\/p><p>The real question is: How long <em>should <\/em>a kid stay on their parent\u2019s car insurance policy? If, for example, they\u2019re away for most of the year at university, there could be long periods when they\u2019re not driving a car, but high premiums to cover them are still being paid. In these cases, it could be worth checking if buying <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/temporary-car-insurance\/temporary-car-insurance-for-young-drivers\">temporary car insurance<\/a> while they\u2019re home for the holidays would be a cheaper option.<\/p><h3>If a teen owns a car outright, can they stay on their parent\u2019s car insurance policy?<\/h3><p>If you\u2019re the main user of a car (as is likely if you\u2019re the owner), then you have to take out your own insurance policy, regardless of your age. So don\u2019t assume that your parent\u2019s policy will cover your own car just because you live at the same address.<\/p><p>However, it is possible to be insured to drive 2 cars at a time. Let\u2019s say you have your own car, but still want to drive your parent\u2019s car every now and then (perhaps it\u2019s bigger and can fit more passengers in safely and comfortably). There\u2019s technically nothing stopping you taking out your own policy for your own car but remaining as a named driver on your parent\u2019s policy. Though if the cost of keeping you on as a named driver is high, it might not be worth it for very occasional use.<\/p><h3>What are the alternatives to adding a child as a named driver?<\/h3><p>If a young driver is the main driver of a car, regardless of whether they or their parents own it, they\u2019ll need their own <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\">car insurance policy<\/a>.<\/p><p>Even if they\u2019re driving their parent\u2019s car rather than their own, they can still take out their own insurance policy on it. It\u2019s fine for different people to have different policies to drive the same car. This will usually work out pricier than adding them as a named driver. However, unlike adding them as a named driver, the parent\u2019s premium won\u2019t be affected and their no-claims bonus won\u2019t be put at risk.<\/p><p>If a child only drives their parent\u2019s car occasionally \u2013 for example, when they come home during university holidays \u2013 it might be worth them instead taking out <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/temporary-car-insurance\/temporary-car-insurance-for-young-drivers\">temporary car insurance<\/a>. This could give them coverage for anywhere between 1 hour and 28 days.<\/p><h3>How can teenage drivers cut the cost of their own car insurance policies?<\/h3><p>Teenagers or young drivers who drive their own cars will have to get their own insurance policy. While the cost of insurance as a young, inexperienced driver might make you wince, there are several ways you can slash your premium.<\/p><ul><li><strong>Consider a telematics policy.<\/strong> Fitting your car with a \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/black-box-car-insurance\">black box<\/a>\u201d that measures your speed, distance travelled and what time of day or night you drive can slash costs.<\/li><li><strong>Opt for a higher excess.<\/strong> The excess is the amount you\u2019ll have to contribute towards a claim before the insurance money kicks in. If you accept a higher excess, you\u2019ll get a lower premium. However, make sure you can afford to pay should anything happen.<\/li><li><strong>Pay annually rather than monthly.<\/strong> Paying a lump sum each year is typically cheaper than paying monthly, as you won\u2019t be charged interest on the instalments.<\/li><li><strong>Choose your car with care.<\/strong> Faster and more powerful vehicles are seen as higher claim risks, while some cars cost more to repair. Both of these can bump costs up, so find out which <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/insurance-groups\">car insurance group<\/a> a vehicle is in before buying it.<\/li><li><strong>Build up your no-claims discount.<\/strong> Avoid <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-claims\">making any claims<\/a> by driving safely. The longer you drive without claiming, the bigger your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no claims bonus<\/a> (a percentage discount off your premium as a reward for safe driving) is likely to be.<\/li><li><strong>Take an advanced driving course.<\/strong> Courses such as <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/young-drivers\/pass-plus-scheme\">Pass Plus<\/a> can ramp up your driving experience over a short period. Some insurers reward this with a discount on your premiums. If the discount outweighs the cost of the course, you\u2019ll be quids in. It might be worth comparing the cost of insurance with and without an advanced driving discount, so you can work out if it\u2019s worth paying for the course.<\/li><li><strong>Investigate multi-car policies.<\/strong> Some insurers allow a family to insure multiple cars on a single policy, with different main drivers for each. A young driver\u2019s car could be insured on the same policy as their parent\u2019s cars, for example. You\u2019ll typically get discounts compared to insuring each car separately with that insurer. Don\u2019t assume it\u2019s necessarily the cheapest option, though. The overall cheapest insurer varies by individual. Compare the cost of a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/best-car-insurance\">multi-car policy<\/a> versus buying separate policies with different insurers.<\/li><li><strong>Shop around.<\/strong> Don\u2019t just stick loyally with first <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/a-to-z-list\">car insurance company<\/a> that offered you cover. Review your policy each year by using comparison websites and getting quotes directly. If you find a cheaper deal, tell your insurer \u2013 it might try to lure you to stay.<\/li><\/ul><h3>Bottom line<\/h3><p>A parent adding their son or daughter to their car insurance as a named driver can be a sensible way to get them covered to drive your car. Don\u2019t automatically assume it\u2019s the cheapest option, though \u2013 check the cost of standalone cover too, including temporary car insurance for very occasional use. And be aware of the downsides, such as the risk to the policyholder\u2019s no claims bonus if a named driver has an accident.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do I need to be insured to drive my parent's car?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Driving on UK roads without insurance is illegal, and can have serious consequences. Unfortunately, pleading ignorance on the basis you assumed you were automatically covered by your parent\u2019s insurance (if you\u2019re not down as a named driver) is not going to cut it. Even if the car is insured, it doesn\u2019t mean everyone that drives it is automatically insured. So make sure you\u2019re covered by asking to be added as a named driver or taking out your own insurance.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I put my child on my insurance as a named driver?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. You can add anyone you like as a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/named-driver-car-insurance\">named driver<\/a> on your policy. They\u2019ll be covered under the same terms as you. Be aware that adding a young, inexperienced driver is likely to increase your premiums substantially, though.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can parents take out insurance for a car their child owns?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Insurers don\u2019t care who pays for a policy, so a parent can pay for a policy in their child\u2019s name. However, what parents mustn\u2019t do is take out insurance for their child\u2019s car in their own name and add their child as a named driver to try to keep costs down. The person who drives the car the most must be listed as the main driver, regardless of who\u2019s paying. Otherwise, you could be found guilty of a form of insurance fraud known as \u201c<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-fronting\">fronting<\/a>\u201c.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">As a young driver, is it cheaper to be on a parent's car insurance than to take out your own?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you own your own car, being named on your parent\u2019s insurance policy isn\u2019t really an option. You need your own policy. However, if you want cover to drive your parent\u2019s car occasionally, then asking them to add you as a named driver might be cheaper than taking out your own policy to use their car. It\u2019s not a sure thing, though, so compare costs for both options before making a final decision.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can a parent be added to their child's policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. If a teenager is the main driver of a car, but their parent drives it every now and then, this can be a good way to cut the cost of the teenager\u2019s car insurance policy. Just as adding a higher-risk driver as a named driver to an experienced driver\u2019s policy can push premiums up, adding a lower-risk, experienced driver to the policy of someone who\u2019s young and has only just passed their test can being premiums down. That\u2019s because the insurer assumes the more experienced driver will be behind the wheel at least some of the time, spreading the risk.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can a child stay on their parent's car insurance if they move out of home?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you don\u2019t have to live with someone to be a named or additional driver on their policy. However, someone that doesn\u2019t live with you probably won\u2019t use the car that often. A good (and potentially cheaper) alternative is for them to take out temporary car insurance that covers them only for the times they need to drive the car. It\u2019s available for anything between 1 hour and 28 days.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response .source-link {\n        color: rgb(2, 113, 225);\n        font-size: 11px;\n        text-decoration: underline;\n    }\n\n    @media (min-width: 600px) {\n        .survey-response .border-fix {\n            border-radius: 12px;\n            border: 1px solid var(--light-divider-normal, #E5E7EB);\n            background: var(--light-background-main, #FFF);\n            padding: 0px\n        }\n    }\n\n    .survey-response .chart-container {\n        min-height: 250px;\n        border-radius: 12px;\n        border: 1px solid var(--light-divider-normal, #E5E7EB);\n        background: var(--light-background-main, #FFF);\n        padding: 15px;\n    }\n\n    .google-visualization-tooltip {\n        pointer-events: none;\n    }\n\n    @media screen and (min-width: 960px) {\n        .survey-response.u-grid {\n            margin-left: auto;\n            display: flex;\n            justify-content: space-between;\n            margin-right: auto;\n        }\n\n        .u-grid__col.chart-container {\n            margin-left: 0 !important;\n            margin-right: 0 !important;\n        }\n    }\n\n    .survey-response .table-container {\n        overflow-x: auto;\n        max-width: 800px;\n        display: block;\n    }\n\n    @media screen and (max-width: 959px) {\n        .survey-response .table-container {\n            display: block;\n        }\n\n        .source-container {\n            margin-left: 2rem;\n            margin-right: 2rem;\n        }\n    }\n\n<\/style><h4>Who is most likely to be researching adding kids to parents' car insurance?<\/h4><p>Finder data suggests that men aged 35-44 are most likely to be researching this topic.<\/p><div id=\"scale-surveys-10024-84\" class=\"survey-response u-grid u-grid--gutterLarge\"><div id=\"view-who-is-most-likely-to-be-researching-adding-kids-to-parents-car-insurance\" class=\"u-grid__col u-1\/2@s u-1\/1 aligncenter size-full chart-container\" style=\"max-width: 330px;\"><\/div><script type=\"text\/javascript\">\n\t\t\t\t(function() {\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\tvar packageToLoad = 'bar';\n\t\t\t\t\tvar eventName = 'GoogleChartsLoaded-' + packageToLoad;\n\t\t\t\t\tvar event = new Event(eventName);\n\t\t\t\t\n\t\t\t\t\tdocument.addEventListener(eventName, function() {\n\t\t\t\t\tconsole.log('called event!', eventName);\n\t\t\t\t\n\t\t\t\t\tfunction drawChart() {\n\t\t\t\t\t\tvar chartType = 'bar';\n\t\t\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\tvar data = google.visualization.arrayToDataTable([\n\t\t\t\t\t\t\t[' ', 'Male (%)', 'Female (%)', ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['65+', 4.52, 4.07, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['55-64', 7.24, 5.13, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['45-54', 13.57, 8.45, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['35-44', 14.48, 7.69, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['25-34', 11.61, 11.61, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['18-24', 6.03, 5.58, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t]);\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tvar options = {\n\t\t\t\t\t\t\tlegend: { \n\t\t\t\t\t\t\t\tposition: 'none'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolors: ['#1a69e8', '#3178ea', '#4887ed', '#5f96ef', '#76a5f1', '#8db4f4', '#a3c3f6', '#bad2f8', '#1a69e8', '#3178ea', '#4887ed', '#5f96ef', '#76a5f1', '#8db4f4', '#a3c3f6', '#bad2f8']\n\t\t\t\t\t\t};\n\t\t\t\t\n\t\t\t\t\t\tvar chart;\n\t\t\t\t\t\t\t\t\t\t\t\tchart = new google.charts.Bar(document.getElementById('view-who-is-most-likely-to-be-researching-adding-kids-to-parents-car-insurance'));\n\t\t\t\t\t\t\/\/ Bar chart specific options can go here\n\t\t\t\t\t\toptions.bars = 'vertical';\n\t\t\t\t\t\toptions.hAxis = {\n\t\t\t\t\t\t\tviewWindowMode: 'maximize',\n\t\t\t\t\t\t\tformat: '#,###\\'%\\'',\n\t\t\t\t\t\t\ttitle: ''\n\t\t\t\t\t\t};\n\t\t\t\t\t\toptions.vAxis = {\n\t\t\t\t\t\t\tformat: '#,###\\'%\\'',\n\t\t\t\t\t\t};\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tchart.draw(data, (chartType == 'pie') ? options : google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\t\t\t\t\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col u-1\/2@s  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th>Male (%)<\/th><th>Female (%)<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td><span class=\"row-color-icon\" style=\"background-color: #1a69e8;\"><\/span>65+<\/td><td>4.52%<\/td><td>4.07%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #3178ea;\"><\/span>55-64<\/td><td>7.24%<\/td><td>5.13%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #4887ed;\"><\/span>45-54<\/td><td>13.57%<\/td><td>8.45%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #5f96ef;\"><\/span>35-44<\/td><td>14.48%<\/td><td>7.69%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #76a5f1;\"><\/span>25-34<\/td><td>11.61%<\/td><td>11.61%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #8db4f4;\"><\/span>18-24<\/td><td>6.03%<\/td><td>5.58%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder sample of 663 visitors using demographics data from Google Analytics    \t\t<\/span><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\">*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (January \u201926). 51% of Confused.com car insurance customers could save \u00a3529.15.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Learn more about how parents&#8217; can save their children money on car insurance by putting them as a named driver. <\/p>\n","protected":false},"author":805,"featured_media":191420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2645],"tags":[],"asset_tag":[],"class_list":["post-190607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to save by adding kids to parent&#039;s car insurance | Finder UK<\/title>\n<meta name=\"description\" content=\"Putting a child down as a named driver can save them money on car insurance. Find out why and when it might be illegal.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/car-insurance\/how-to-save-by-adding-kids-to-parents-car-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to save by adding kids to parents&#039; car insurance\" \/>\n<meta property=\"og:description\" content=\"Putting a child down as a named driver can save them money on car insurance. 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