'Family car insurance' can mean a number of things, reflecting the various priorities that come from family life.
For one, you'll want your insurance policy to be appropriate for your family car, which might be on the larger side. For another, you might need insurance for multiple family members to driver that car. And finally, you might have multiple cars in the same household that you could cover together.
We'll explain the key points of each, and help you find the right car insurance policy for you and your family.
In This Guide:
- Insuring your family car
- Top tips for insuring your family car
- Insuring multiple family members on one car
- Multi-car insurance policies for families
Insuring your family car
When you're choosing a family car, you've usually got three things on your mind: size, safety, and fuel efficiency.
You want a car that's big enough to squeeze everyone in, ideally without fights in the back over elbow room, and with room in the boot for luggage if you're going away.
You want it to be safe and secure on the road to minimise the chances of any accidents causing harm to members of your family.
And since family life can be expensive, you want to spend as little as possible on fuel.
Luckily, insurance companies tend to like these features as well. Sturdy, safe cars that are built to last rather than to zip around at high speeds are an insurer's dream.
Add-ons, extras, and types of cover
What you'll need to make sure is that you get the right level of cover. Add-ons and optional extras make your cover more expensive, but may well be worth it in the long run. Breakdown cover can be a great help if you end up stranded, and European cover can be a good idea if you often go on holidays on the continent.
Top tips for insuring your family car
- Get comprehensive cover - you'll want to make sure all passengers in your car are covered
- Think carefully about extras - get the ones that will be useful based on how you driver
- Think about your mileage - if you're driving to school and work, your mileage will be high, and this can boost your premiums up, but don't be tempted to underestimate on your application as you might right invalidating your policy
- Add named drivers - add a partner and/or any children with a license so share the burden
Insuring multiple family members on one car
If you have multiple members of your family who drive the same car, it's usually worth adding them as named drivers on the same car insurance policy. Adding one of your children as a named driver when they've just passed their test will make your cover a bit more expensive, but it'll make theirs cheaper, and so if you share the cost then less is paid out overall. Having multiple drivers with a few years' worth of no claims discounts can help you cause.
Just make sure that whoever is the main driver is actually the main driver, as you could get in trouble for fronting if an additional driver is found to use the car more often.
How many named drivers can you add on a policy?
On most car insurance policies, you can add up for four named drivers, but always check with your provider to see if they have a different policy.
Can I add family members to my existing car insurance policy?
You can add a named driver to your policy at any time, just contact your insurance provider and give them the details they request. The price difference will vary based on your family member's driving experience.
Multi-car insurance policies for families
Finally, if you've got multiple cars in your household, it makes a lot of sense to insure them all together and benefit from a multi-car discount.
Multi-car policies will be cheaper than the multiple singular car policies, and you have the added benefit of just having the single insurance company and single renewal date to worry about, which minimises paper work.