Ultimately, your grandfather will need to speak to his insurance company to clarify your driving limitations. If you are driving the vehicle everyday, you will be a regular operator - not an occasional driver. Also, if the vehicle is parked at your residence everyday, his insurance company will need to know that, too. (Insurance companies frown upon insuring vehicles from more than one household.) Chances are your grandfather did not list you on the policy. Non-resident, occasional drivers usually do not have to be listed on the policy - which is probably why your grandfather did not have to pay anything extra. You and your grandfather will need to discuss your driving frequency. After that, he will need to approach his insurance company for his best course of action.

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