Just because you live in your parents's home and drive their vehicles does not automatically mean you are covered to drive their vehicles. They will need to let their insurance company know you are driving their vehicles. And, chances are, you will need to be rated on their policy as an 'eligible' driver - if you want to be covered to drive their vehicles. Otherwise, they are running a serious risk of their insurance company denying a claim if there is an accident. Also, it will be up to your parents to decide if you should have to pay any insurance premiums.

If adding you to their policy increases their premiums, they can click here to get a car insurance quote to compare their rates.