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[Paul M]

am i to understand that say if you put your mother on your insurance as a named driver even tho she may never drive your car, if she were to make a claim from an accident/offense in her own car and lose her no claims, could that bump up your premium??

Yes that would affect your renewal when the time comes, as you have to declare whether any named drivers have had an accident, claim or endorsement. Easy solution though, if it ends up costing more than it would without her, just don't bother adding her. Try adding your dad as a named driver instead -- this also reduces my premium, but not as much as my mum. Interestingly enough, my dad is a far more experienced driver who has never had an accident nor a claim in his life, yet he's (slightly) more expensive to insure than my mum -- go figure!

[Danny]

i think i might add my mum to my policy then as she rarely uses her car, then sell her car and give her my BMX

she'll never make a claim then!