Can unrelated people be on the same car-insurance policy? You can add other people, such as your roommate or neighbor, as long as they meet certain criteria set by the insurer. Many insurers will allow you to add a non-related driver if they often drive your car. Other companies, such as Allstate, will allow roommates, who do not drive your car, to be covered on the same policy.
The requirements for being on the same car-insurance policy are different for each insurance company. Most companies want to know how many licensed drivers are in your household. Some may require you to add someone on your policy if you’re married, but if you live with them and drive the same vehicle, it won’t be an issue. It’s important to understand the terms of the policy if you want to add a non-related person to yours.
If your car is registered to a different name, it is also important to keep that fact in mind. If the car insurance provider hasn’t included your ex-spouse, they can deny your claim. In some cases, insurers will refuse to insure you if they believe you are attempting to defraud them. Some insurance providers even call such behavior “fraud” and will cancel your policy.
There are two ways for you to add unrelated people to your car insurance policy. One is to purchase joint insurance, which covers both of you, and the other is to use it for occasional driving. You can also combine insurance policies if you have no spouse to file a claim against. If you’re planning to borrow another person’s car, make sure to include them on the policy so that your insurance company will protect you.