Can a named driver live at a different address?

What happens if you don't change your address on your car insurance?

What Happens If I Don't Change My Address on My Car Insurance? Not changing your address when you move, especially if you move states, can cause problems with your insurance company. ... Your insurer will likely deny a claim if they find out, and you could be committing insurance fraud.

Does Wrong address invalidate car insurance?

While putting down the wrong address is often an honest mistake, it can lead to motor trade insurance being invalidated. ... “Failing to notify your insurer of changes to circumstances, including address, could actually result in you being refused when claiming on your insurance.

Does insurance follow the car or the driver?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

Can my son drive my car if he is not insured?

Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.

Can I put my girlfriend on my car insurance?

Yes, you can add your girlfriend or boyfriend to your car insurance. Generally, if you and your significant other live at the same address, your car insurance company will consider them a member of your household and request that you add your boyfriend or girlfriend to your car insurance policy.

What is a permissive driver?

How does permissive use car insurance work? Permissive use car insurance applies for people who ask, “Can my friend drive my car?” As a permissive driver (i.e., someone with your permission to borrow your vehicle), they should get the same protections you get from your auto insurance policy.

What happens if I let someone borrow my car and they crash?

If you let a friend borrow your car and he or she causes an accident, your auto insurer would be responsible for paying for damages to the other driver and his or her passengers, up to the limits of your policy. If damages exceed your policy limits, your friend's insurance would act as secondary coverage.

Can someone else drive my car?

You can safely lend your vehicle to someone without worrying about whether that person is named as a driver on your auto insurance policy if the following three conditions are met: ... The person is a licensed driver, legally allowed to operate a motor vehicle in Alberta.

Can you be the main driver on a car you don't own?

Every car insurance policy has a "main driver". ... The main driver has to drive the car more often than the named driver. If they don't, it counts as a type of fraud called "fronting". But the main driver doesn't necessarily have to be the owner or the registered keeper.

Can you have 2 main drivers on the same car?

You and your partner can both take out separate policies for the same car. Car insurance policies are for both the vehicle and the driver, so it's perfectly fine, legal and common for two people to be insured on the same vehicle under separate policies. There are a few reasons why you might consider doing this.

Can you be a named driver on 2 cars?

Yes, you can. That's no problem. In fact, there is no limit to the amount of cars you can own and insure in your own name. However, no claims bonuses only apply to the vehicle, not to the driver or insurance policy.

Can I drive my dads car?

Can I drive my parents' car without insurance? ... You must be properly insured if you drive on the public road, no matter how short the distance, even if your parents have given their permission for you to drive the car, and even if they have their own insurance policy covering the vehicle.

Can I drive someone else's car without insurance?

Can I drive someone else's car without insurance? If you drive someone else's car with their permission, you are covered under their auto insurance policy. ... If the person whose car you are borrowing has collision insurance, their car would be protected from damage that happens to their car, no matter who is at fault.

Are you liable if someone has an accident in your car?

How Your Primary Coverage Works. The bottom line is that when someone to whom you have loaned your car causes an accident that injures another person or damages someone's property, you are liable, and your insurance will be the first in line to cover their costs.

Can anyone drive your car and be insured?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. ... This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that'd be covering the damages if they were at-fault in an accident while driving your vehicle.

Is it illegal to have incorrect address on license?

Having the wrong details on your licence is an offence. If DVLA has the wrong address for a vehicle registered to you & that vehicle is caught speeding (or committing another offence) the Notice asking the registered keeper for the vehicle to identify the driver will go to an out of date address.

Is your insurance void if you don't change address?

Don't add to it by failing to notify your insurance company of your change of address, leaving yourself with an invalid policy. Insurers take your postcode into account when setting your car insurance premium, as certain areas are deemed riskier than others.

Why did my car insurance go up because I moved?

Moving to bigger and busier cities tends to make your auto insurance rates go up. There's more traffic and more chances for you to be in a car accident, so insurance providers offset some of that risk by increasing your insurance rate in high-traffic areas.

How can I change the address on my driving licence?

What should I not tell my car insurance?

Avoid using phrases like “it was my fault,” “I'm sorry,” or “I apologize.” Don't apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.