Can I Add My Boyfriend to My Car Insurance?

Boyfriend on car insurance

If you have a boyfriend who frequently drives your car, you may be wondering if you can add him to your car insurance policy. Adding someone to your car insurance policy can have several benefits, but there are also some things to consider. In this article, we’ll answer the question of whether or not you can add your boyfriend to your car insurance policy.  

What is car insurance?  

Let’s first discuss what car insurance is. Car insurance is a type of insurance that can help protect you from lawsuits and protect your car in case of an accident or other covered event. Car insurance typically includes liability coverage, which can help pay for damages and injuries you cause to others, as well as comprehensive and collision coverage, which can help pay for damages to your car in case of an accident.

Can you add your boyfriend to your car insurance?  

Okay, now we’re ready to answer the actual question. Can you add your boyfriend to your car insurance? As with most topics we cover on this site, the answer is, it depends on your car insurance policy. However, in most cases, the answer is yes. 

Some car insurance policies allow you to add a driver who is not related to you, such as a boyfriend. Most car insurance companies allow you to (and want you to) add anyone to your policy who drives your vehicle.

How Do I Know If I Need To Add Someone To My Car Insurance?

The general rule of thumb is this: if any person, regardless of relation, drives your vehicle on a regular basis (once a month) or is living in your home, they should be added as a driver. Follow this rule of thumb to make sure you’re protected.  

Keep in mind, adding another driver to your policy will most likely increase your insurance premiums. 

It’s also important to consider whether your boyfriend has a good driving record. If he has a history of accidents or tickets, adding him to your policy could result in even higher premiums. Just remember, if he is driving your vehicle on a regular basis or living in your home, you would need to add him regardless. Just make sure you teach him how to slow down! 

How Do I Exclude My Boyfriend On My Car Insurance?

You also have the option to exclude your boyfriend. In the case that he never drives your car, he would be eligible to be excluded. By excluding him, you would not have to pay extra on your car insurance policy. However, once excluded, he would have NO coverage, for anything under your car insurance policy. So if you’re going to exclude someone, make sure they aren’t driving…at all.

As always, it’s important to consult with your insurance broker to make sure your policy offers all the coverage you need and to make sure you’re listing everyone on your car insurance policy that needs to be listed.  

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