Can I Add a Driver Who Doesn’t Live with me to my Car Insurance?

Sometimes, a girlfriend or a close relative may drive your car more than occasionally. It may be best to include them on the policy and it may be possible. People often have concerns about who uses their automobiles and what is the situation with them. And they ask questions like; can I add a girlfriend to my car insurance even though she doesn’t live with me? Let’s try to address these concerns below.

There are various relationship arrangements that need to be taken into account and therefore, worth looking into it a bit deeper. If you feel that a close friend or boyfriend is using the vehicle more than on the off chance you should actually include them in your automobile insurance policy. This is the safer option than worrying about what might happen if the person causes an accident.

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 auto like someone who is living in the same household but they are more than an occasional driver. The viewpoint you should take with these things is that it is material information for the purpose of premium calculations.

Appearing to be hiding information or not telling the full truth may jeopardize coverage and claims. You shouldn’t take the view that nothing will happen. If you think like that there is not much point in buying coverage as well. You should always assume the worst-case scenario. Think what would happen if someone had an accident with it. It would be a complicated case already that you don’t want other unknowns thrown into the equation, if you can help it.

Also, including someone on the schedule usually allows him or her better or at least guaranteed coverage. There may be questions about who are offered protections under a policy. Once they are named on the schedule there is no such worries. And Some vehicle insurers may provide reduced Liability limits and perhaps no Collision and Comprehensive coverage for occasional drivers. And even if there is full coverage deductibles may be higher.

You don’t need to wait for the renewal. You can add a new driver into your policy at any time and drop the person when you don’t need it anymore. Companies will calculate the additional premium or any refund and settle the difference with you pretty efficiently and easily. 

Furthermore, you may need to insure relatives, who are coming over to stay in the house for a few days, for the duration of their stay. Since they will be staying with you and using the auto they may be considered as members of the household rather than guests. You should be able to add them for a limited period in cases just like this example.

Policyholders may worry about extra premiums when they offer new information to carriers. But you need to share important details concerning the way the car is used with your insurer in order to give them a chance to adjust their prices. Besides, 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. If something is worth doing it is worth doing well.

Usually there shouldn’t be a problem and it should be reasonably cheap 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 person’s history isn’t clean. In that case, it may be necessary to switch. Then, you can get a number of quotes using comparison websites and independent agents. Online platforms are very easy to use. They guide you through the process after you enter your zip code.