What impact does it have on me if say a car is registered under my name but my dad is the main user?

Hi,

In the event of any traffic violations, your dad’s license will be affected not yours.

From the motor insurance point of view, your dad is allowed to borrow the car provided he is driving with your permission and knowledge. This means that he or she is authorized by you. In the event of any accident, you are only allowed to claim when the driver is an authorized driver and the vehicle is not used for hire and reward.

However, if you have someone who frequently uses your car, you should add a Named Driver to your motor insurance. Although your motor insurance policy covers your “authorized drivers”, if the driver’s details is not listed in the policy document, there may be an additional excess imposed.(Higher deductibles during repair claims)

By adding a Named Driver, the driver can enjoy the same privileges as the owner as long as he or she is not classified as an elderly, young or inexperienced driver. (If he or she is under such classification, his excess may be higher.) It is always good to read the terms and conditions of your policy carefully and confirm with your insurer.