car insurance

[northboy]

if either one of my parents added me on there car insurance.would i
1.have to have the same insurance as them.ie fully comp or can i opt for 3rd party fire&theft even though they are fully comp.OR
2.if i was to go on there insurance policy what type of insurance would i be insured for,for driving my own car.
i am 45 only passed my test in july.
cheapest quote i got insuring my car on my own is £2240 i cannot afford that.
i was on my partners additional drivers insurance but they passed away in august.
T.I.A

[pink-kittens]

I'm the named driver on my OH's ins and drive at the same level as he does - fully comp
I have also been on my parents ins and also drive at the same level of insurance as they do - fully comp

[rojash]

You will be a named driver on the policy. So if the policy is fully comp, then you'll be a named driver on a fully comp policy. You can't vary the terms of the policy according to who's driving.
Being named on your parents policy won't cover you for driving a car owned by you.

[northboy]

so i would not be liable at all to drive my own car even though i will be a named driver??

[vodkancoke]

Do you mean can you be a named driver on your parents policy and not take out a policy of your own for your own car?....sorry if I have misunderstood.

[SpikeyBush]

In the small print of the trouble & strife's policy it states that cover for anyone with a provisional license is limited to third party. So when my son shortly turns 17 and we add him to her policy (my car is too powerful to add a 17 year old, my insurers giggled when I asked) even though the wife has fully comp it will only be TP if the wee lad is driving it.
No two insurers are the same and the small print has to be checked carefully, many policies with open cover have restrictions on the cover for drivers meeting certain criteria.

[northboy]

thank you every body....
well thats me selling my car then...b******s

[Buenchico]

Before you sell your car, try getting a quote for putting one of your parents on your own policy as an additional driver for your car. Doing it that way round - rather than getting a parent to insure your car with you as a named driver (which can result in a prison sentence!)- is entirely legal (even if the parent will never actually drive your car) and, somewhat strangely, can often result in a substantial reduction in your premium.

Also check out different classes of insurance. '3rd party only' (or '3rd party, fire and theft') isn't always the cheapest. Sometimes 'fully comp' can be significantly cheaper. (That's not written as 'pure theory'. My own policy is 'fully comp' because it was much cheaper than the alternatives!).

Chris