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? There are various relationship arrangements that needs 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 to your 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 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 better to be safe than sorry”. 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 protection 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 for occasional drivers. And even if there is full coverage deductibles may be higher.
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 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 start right here by getting a number of quotes on our platform above. Just enter your zip code and you will be guided through.