Are Returning Emigrants Paying More For Insurance coverage?. TheJournal.ie I am within the technique of renewing my car insurance coverage, getting quotes and so forth, and have been the named main driver on my mums coverage for the previous four years. Which means I've three motorcycles, all could be ridden if the MOTs had been renewed on them, however I might solely use the no claims on 1 machine & pay full premium on the other 2.