Does my car insurance cover my boyfriend?

Asked by: Elmira Feest  |  Last update: May 13, 2023
Score: 4.8/5 (55 votes)

Yes! If your boyfriend is a licensed driver and has your permission to use your car, he generally would be covered under your auto insurance.

Does insurance cover boyfriend?

Most insurers allow you to add a significant other, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together. Depending on the insurer, a significant other can also add their vehicle to a joint policy if both cars are kept at the same permanent residence.

Can my boyfriend drive my car on my insurance?

Permissive use

Most car insurance policies will cover drivers you've listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle.

Can unmarried couples be on the same car insurance?

Most car insurance companies require that all household members be listed on your auto insurance, whether they are married or not. If unmarried persons own their cars individually, they must have separate auto insurance policies too.

What happens if my boyfriend drives my car?

Answer provided by

As long as he has your permission to drive your car, your car insurance will likely cover him. But if he gets into an at-fault accident and the costs of the accident exceed your coverage limits, you'll be responsible for any remaining balance. And your rates will climb as well.

Will my insurance cover if my friend gets in an accident with my car

19 related questions found

Can I drive my girlfriends car if I'm not on her insurance?

Permissive Use Provision

If a friend or a family member has an accident and isn't insured, then you will have to use your insurance. Unless you have expressly denied that driver permission to use your vehicle.

What happens if someone who isn't on your insurance crashes your car?

The car owner may even be charged for allowing their car to be used by an uninsured driver. If you've caused damage to another vehicle or property, the other driver may take legal action to recover damages from you.

What does cohabiting mean in car insurance?

If a couple lives together, whether they are married, in a civil partnership, or just cohabiting, they should be able to benefit from a discount. Some insurers offer a discount when multiple cars are registered at the same house, for example.

What does common law partner mean?

Although there is no legal definition of living together, it generally means to live together as a couple without being married. Couples who live together are sometimes called common-law partners. This is just another way of saying a couple are living together.

Is domestic partner a legal term?

A domestic partnership is a legal relationship between two individuals who live together and share a common domestic life, but are not married (to each other or to anyone else). People in domestic partnerships receive benefits that guarantee right of survivorship, hospital visitation, and others.

Can you add anyone to your car insurance?

Generally, you can add anyone that you'd like to your auto insurance policy. Often, drivers listed on the policy must live in the same household as the policyholder, but that's not always the case. Generally, anyone who has frequent access to your vehicle should be added as a driver.

Does car insurance follow the car or the driver?

Unless you're a 'named driver' on their car insurance, you almost certainly won't be insured. And both the driver and car owner can run into trouble if caught without the necessary cover.

Can someone drive my car if they are not on my insurance UK?

Myth 2: Other people can drive my car if I've said I don't mind. FACT: Many people may think it's just a case of giving permission, but it's not as simple as that. If someone else wants to drive your car, they will need their own car insurance with driving other cars cover. They will not be covered under your policy.

Is a boyfriend a domestic partner?

A domestic partner can be broadly defined as an unrelated and unmarried person who shares common living quarters with an employee and lives in a committed, intimate relationship that is not legally defined as marriage by the state in which the partners reside.

Who drives the car in a relationship?

Statistics show that when couples drive together, it's usually the man behind the wheel. Aren't we past that? Men spend more time in the driver's seat than women — it's a fact. That means that when a couple gets in the car, it's overwhelmingly the man who's behind the wheel.

Is my boyfriend my civil partner?

A civil partnership is a legal relationship which can be registered by two people who aren't related to each other. Civil partnerships are available to both same-sex couples and opposite-sex couples. Registering a civil partnership will give your relationship legal recognition.

What rights do unmarried couples have?

Do unmarried couples have the same rights as a married couple? No, unmarried couples do not share the rights, responsibilities, protections, or status held by married couples. This is the case whether or not they live together.

How long do you have to be living together to be considered common law?

To be considered common-law partners, they must have cohabited for at least one year. This is the standard definition used across the federal government. It means continuous cohabitation for one year, not intermittent cohabitation adding up to one year.

Can I share car insurance with someone else?

If both cars are kept at the same address overnight, you can share a policy, even if you drive different vehicles or don't share a last name. Adding a roommate to your auto insurance will raise the cost of your individual policy, but it could be lower than the combined cost of two separate policies.

Can I add my fiance to my insurance?

Most insurance companies allow unmarried couples to combine coverage—and thereby get discounts and other valuable benefits. But again, not all insurance agents or companies will offer these benefits to an unmarried couple.

What does partnered mean on insurance?

Within the context of a Coverwise travel insurance policy, we consider a couple to be, you and your close relative (Close relative definition also includes your domestic partner) who lives with you in a domestic relationship at the same address as you.

Does fully comprehensive insurance cover any driver?

Fully comprehensive car insurance (also known simply as comprehensive car insurance) covers damage to your vehicle even if an accident is your fault. It can also compensate other drivers for any damage caused to their property as well as injury compensation for yourself and others, where relevant.

Can someone drive my car if they are not on my insurance Geico?

Answer provided by

GEICO covers someone else driving your car, as long as they only drive it occasionally and you give them permission to do so. This is known as permissive use. As long as your roommate only drives 12 times a year or less, he's covered under your policy.

What happens if someone else is driving my car and gets in an accident progressive?

If you allow someone else to borrow your car, it's still covered by your insurance policy. Insurers call this "permissive use." This is true even when the driver carries their own insurance. However, both your insurance policy and the driver's insurance may apply in the event of an accident.

What happens if someone else is driving my car and gets in an accident UK?

If someone else is driving your car and another person causes the accident, the at-fault driver's insurance is usually responsible for covering costs. On the other hand, if the driver of your car is at fault, your car insurance will usually cover damages.