If you’re driving someone else’s car, you’ll need to be a “named driver” on their policy. If you are the owner and main driver of the car, you’ll need to take out your own policy. Don't be tempted to put someone else as the main driver and yourself as a named driver in attempt to get a cheaper premium. That's an offence known as "fronting" and could see your policy being voided or even a charge of insurance fraud.