You can protect no-claims, you just pay for the privilege. Direct line also let you build up your own no-claims. The best thing you can do is ring several insurance brokers tomorrow and ask them about your options.....
Driving as an additional driver on a parents insurance policy is illegal if you are the main driver.
tbf your better off just getting your own policy. also be aware that if your dad has his own policy with his own car then he can't use his no claims discount twice. I looked into this, but because my dad no claims discount was already in use on another policy it didn't make it one bit cheaper by having him as the main driver. although i found it made my insurance about £60 cheaper when i added my parents as named drivers to my policy with quinn direct. freaky
er, that's called fronting and it is illegal. if you get caught you will get 6 points on your licence and may be charged with driving without insurance.
This is a strange one… figured out that with direct line when you add yourself as an additional driver (one of your parents as the main driver) when it asked for the connection or whatever to the main driver… if you “accidentally” put spouse it seriously brings down your insurance (in my case from £760 down to £176!!)
For the record I have no plans on doing this, and I don’t recommend it… it implies incest & its illegal. Lol
It is illegal.
While under normal circumstances you are not going to be caught HOWEVER if you have a crash and they find out that its your car, either through any mods you have done to it or anybody testifying that you drive it most then they won't pay out.
It's actually not illegal if OP isn't the main driver, which he's already said.
Would like to point out that if your parent already has a car, and already uses their no claims discount, then that discount WILL NOT apply to the second car - ie the one you're driving - so it will be quite a lot more expensive than you'd imagine.
That's what Direct Line told me anyway - imagine my surprise when I got a letter through saying my premium was going up by £600 because my mum already had a car using her no claims bonus!!