i work for norwich union and let me explain the rates of insurance change montly each postcode has a different rating system so he could be in a different postcode from you .. let me give you some good advise . Open driving is supossed to be for emergency purposes only there is no way that that person got a qte for £450 as open driving means that we are covering for any person with any amount of claims and conv ... its not worth is just name yourself on your dads policy .