Adding a driver to your car insurance isn’t as straightforward as it seems, and certain prerequisites have to be met. Whether you’re loaning your car to a friend or relative for a quick trip or getaway, this article will provide all the information you need about adding a driver to your car insurance.
Prerequisites for Adding a Driver to Your Car Insurance
In most cases, car insurance companies only accept the addition of another registered driver if they live at the same address as you, the primary driver. Another acceptable condition would be if the other driver is related to you.
With so many possible scenarios that warrant the need for adding a driver to your car insurance, it is normal to be confused about whether or not a driver can be added to your car insurance. Read on to find out if the following situations allow for an additional driver.
Can I Add a Driver Who Lives at a Separate Address?
As mentioned previously, car insurance companies will require the additional driver to either be related or live at the same address as you.
As such, if the driver you are planning to add lives separately from you but is a member of your family, then you might be able to add them to your insurance policy. Typically, most car insurance companies wouldn’t allow you to add a driver non-related to you and live at a separate address.
Ultimately, it all boils down to the clauses listed under your auto insurance policy, so it would be best to check with your insurance company whether or not you can add a driver to your policy. If you are on the lookout for comprehensive car insurance policies, then we highly recommend that you consider K&N Insurance Brokerage. Here at K&N Insurance Brokerage, auto insurance policies are tailored to you. Regardless of age, years of driving experience, or car make and models, you will be sure to find a policy that works for you. Get a quote from us today in a matter of just a few minutes!
Can I Add a Roommate Who Lives at My Address?
Since both you and your roommate live at the same address, the general answer is yes. Just like the previous scenario, it would be best to check with your insurance company whether your policy allows you to add a driver.
Considerations of Adding Drivers to Your Policy
In most cases, auto insurance policies would already cover the cost of vehicle damages, regardless of who is driving at the time of the accident. As such, there might not be a need to add a driver, especially if your friend or family member already has an auto insurance policy of their own.
Ultimately, it is best to check with your auto insurance provider about your concerns and seek advice on adding a driver to your insurance policy.
