Do I need insurance to drive my dad's car?

Young (new) driver Car insurance?

• Ok so i passed my test a few days ago and am now ready to drive. my mum owns the car, and my dad has insurance down on his name only (main driver). I called up his insurance company and they said they couldn't add me as second driver, i need at least 2 years of experience, but how would i get experience if i can't drive without insurance? derp.. Anyway, i looked at conventional comparison websites and the prices where ridiculous. So, my question is, if i was to start a new quote on my name only, would it be cheaper? and would it conflict with my dads insurance? if my mum transferred the car to my name would it come cheaper for me? and would that action conflict with my dads standing insurance?? im so confused and distraught, does my dad need to cancel hi insurance, make me the main and him the second driver?? please halp :)

• Answer:

  As long as you live in the same house as your parents and they give you permission to drive the vehicle you should be covered on their policy. However it is best if you are added to the policy as an additional driver. If you are not added to the policy and are a regular driver and involved in a collision the claim would more than likely be covered, but the policy could be canceled due to material misrepresentation. I would have to look at your parents policy to be certain, but that is typically how it is on insurance policies in the US.