Regular drivers

Being on your parents' car insurance has its advantages!

Regular drivers

Being on your parents' car insurance has its advantages!

Just got your full driving licence?

With textbook three-point turns, perfect parallel parking and all the rest of your driving test smoothly behind you, it's a great feeling to finally have your driving licence. The next thing you'll want to get is your own car to go with it. However, you may still want to keep driving your parents' car for another while as your own set of wheels means a lot of extra costs like buying it for a start, running it and not forgetting insuring it.

All worries for later you might think. Think again, as looking towards the future now could save you money. Ask to be named as a driver on your parents' car insurance today and reap the benefits tomorrow. More driving experience means you’ll get your own car insurance for less when the time comes.

Do you drive regularly?

If you often use your parents' car like every weekend or for commuting to where you're studying, you're a regular user of their car. That means you need to get named as a regular or usual driver under their car insurance to make sure you're properly insured from the outset.

Pay less later

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Heard of our KBC Start2Drive cover? It gives you lots of great benefits for two years after getting your provisional driving licence, including building up a no-claims history under your parents’ insurance.

That could have long-term advantages when you get your full licence and likely want to stand on your own two feet. Under your parents’ car insurance, it lets you switch to your first car insurance in your own name as a named driver. You pay less from the outset, as we base your premium on the driving experience you’ve built up on your parents’ car insurance.

You may also be entitled to no-claims benefits, depending on the number of at-fault accidents on your parents’ insurance.

No-claims benefits

Our no-claims benefits reward you for careful driving, giving you a:

  • Joker
  • No-claims discount

Depending on your situation, you must meet a number of conditions to get our joker and no-claims discount:

Conditions for getting a joker

  • Under a new policy:
    Have your driving licence and haven’t been at fault for causing an accident for at least five years.
  • Under an existing KBC policy:
    Haven’t caused an at-fault accident in the last five years.

Conditions for getting a no-claims discount

  • Under a new policy:
    Have your driving licence and haven’t caused an at-fault accident for at least five years.
  • Under an existing KBC policy:
    Haven’t caused an at-fault accident in the last five years.

Over to your parents

How it works couldn't be easier. Just ask your parents to contact their branch or insurance agency to have you named as a driver under their current car insurance with us. The premium will then cost a little more, but you'll be well insured on the road and it'll benefit you later when it comes to getting your own first car insurance.

Make an appointment

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