Hello! My mother is SF 35 and is now retired. I (born 1986) have a driving license since 2004 and have also been registered as a passenger with her insurance (huk normal) since 2004. I want to buy my first own car now at 27 and also be a policyholder and holder. So far I had not needed one. Desired insurance is actually HUK24. My mother keeps her car. The insurance offers to transfer SF discounts from parents to children. However, quote: The other person must agree to the transfer of the damage-free discount and give it up completely. A return transfer is then no longer possible. The use of the vehicle of the other person by you must not be longer than 12 months. The damage-free time can be counted maximum for the period in which you are continuously in possession of the driver’s license. I think this is similar with other insurance companies. I have a be found nothing despite some Googlens.