I've been playing around with different quotes in my name on elephant.co.uk with reasonably high powered cars - Celica GT4s, 200SXs etc Now, they all come out at ~£2300 for 12months fully comp (with me as 21 with 0NCB) but as soon as I add both my parents to the quote as named drivers (me still as primary obviously), it goes down to £1550ish....that's a £750 saving! Why is that? Granted they're both retired and both have their own cars, no accidents in last 3 years etc but I dont understand why it saves ME £750 just by naming them on the quote. Ok so they could drive my car, but if I didnt want them to do that, could I not just put them on there without informing them? Hence getting my insurance £750 cheaper? Am I missing something?