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If you can add someone to your policy on the off chance they may use your car then do it! I have both my parents on mines as I car share with my Mum and my Dad likes to use my car when I'm not about as its a change from his M3 and reminds him of being 21 again.
Also its worth exploring what you put down as your occupation, mines can be deined by a whole host of things all meaning the same, but some descriptions can increase your insurance whilst others can decrease it.
If I put in i'm an Analyst it increases my premium by £50 from the quote when I put in i'm a systems analyst (cause thats what I am)
In the words of Tesco's 'every Little Helps!'
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