Question: What if I feel my girlfriend is driving my car more than occasionally. Is it safer to add her onto my policy? And can I add my girlfriend to my car insurance even though she doesn’t live with me?
Answer: If you feel that a close friend or a girlfriend/boyfriend is using your car more than occasionally you should actually include this close friend or girlfriend to car insurance policy. They don’t have to live with you to be insured as listed drivers. This may actually work in your favor and you may not need to pay a lot more premiums. They don’t have everyday access to the insured car like someone who is living in the same household but they are more than an occasional driver.
Your general policy when you are buying auto insurance should be “it is better to be safe than sorry”. Appearing to be hiding information or not telling the full truth may jeopardize you policy and claims. You shouldn’t take the view that nothing will happen. If you think like this there is not much point buying auto insurance coverage as well. You should always assume the worst case scenario. Think what would happen if someone had an accident with your automobile.
Also, you may need to insure your relatives who are coming over to stay in your house for a few days for the duration of their stay. Since they will be staying with you and driving your car they would be considered people living in your household rather than occasional drivers. You should be able to insure additional drivers for a limited period in cases just like this example.
Policyholders may worry about additional premiums when they offered a new information to their insurers. But the increase may not be as bad as you think. A few bucks extra payment doesn’t hurt you and makes sure you are protected well.
Usually there shouldn’t be a problem and it shouldn’t be expensive to add someone who doesn’t live with you to auto insurance. However, few companies can be funny about it or it may be expensive if the additional driver’s driving history isn’t clean. In that case, it may be necessary to change car insurance companies. Then, you can start right here by getting a number of auto insurance quotes on our quote platform above. Just enter your zip code and you will be guided through.