A parent may insure a car in their own name and list a son or daughter as an additional driver even though the young driver is actually the main user. The cheaper premium doesn't make the arrangement legitimate.
Adding a genuine named driver is fine
There's nothing wrong with having more than one driver on a policy. The problem is giving the insurer a false picture of who mainly drives the car.
Ownership alone does not decide it
A parent can own a car that a child mainly drives. What matters is answering the policy questions truthfully about ownership, keeper details and main use.
It can create serious claim problems. If an insurer discovers that the risk was misrepresented, it can affect how a claim and the policy are dealt with. It may also make future insurance harder to arrange.
If use changes, tell the insurer
Family arrangements change. If a named driver gradually becomes the main user of the car, update the policy rather than waiting until renewal and hoping it will not matter.
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