Auto Insurance
Auto Insurance Claims

Can an unmarried couple living together share the same policy if they each have their own car?


Top Answer
User Avatar
Wiki User
2015-07-15 18:46:18
2015-07-15 18:46:18

Yes, of course! Insurance companies love two-car policies and often offer discounts. Compare rates to see if it's cheaper to combine or have separate insurance. Each driver will be rated separately, and each vehicle will be rated separately. If you own a house together, and use the same carrier for your homeowner's and auto insurance, even better.

Usually if you live together and your insurance policy is aware of that, they will want the "roommate" to be either explicitly included on the policy (listed as a driver and their driver's license rated) or EXCLUDED (not allowed to drive the car and not covered if they DO drive it).

If you have the same insurance that you had before you lived together, the insurance company might not be aware that you have a "roommate" and this could change your rate. When investigating combining your insurance you may want to consider NOT mentioning that you live with someone if they have a bad driving record.

If one person has a bad driving record, it's sometimes cheaper to have separate policies although in that case the policy of the better driver may need to exclude the bad driver from the policy.

For unmarried gay couples in states or cities where there is domestic partnership there may also be a discount because of this relationship, although it may take some research to find carriers that offer that discount.


Related Questions

Yes. Any member of the household would need to be listed on the policy.

Yes, so long as they are living together. If they are a household, then the two can have a combined auto insurance policy. Check with your agent for the specifics from your insurance carrier.

In Australia you can have another person listed on your policy as a second driver so all you'd have to do is pay for half the policy each. If the car was stolen the main person would make the claim.?

yes. if you're living together, his policy requires you to be on it.

Yes, they can cancel all insurance on each other that the other is paying for. This can only happen if the insurance policy was created with both people as either primary or secondary policy holders. A person cannot just call or contact an insurance company and cancel their insurance without being on the policy.

Yes, you can have a single policy with both of your vehicles on it. It is advisable that both persons be "named insureds" (both peoples names appears on the policy and on pink cards. However, you may want to wait until after the marriage if the bride will be taking the grooms name.

In the state of Texas you do not have to list your child on your policy. If living in your home you can enlist a separate policy for that child. If living in another home it is never a requirement to have them on your policy although there are some policies which certain insurance companies write which require the child on your policy while living in your residence.

The population policy in China is a law stating that each couple is only allowed one child.

its when i piece of land ishas people living there and its a policy to keep it isolated

The president and congress together control the fiscal policy.

The policy is one couple one child, but there are plans to make it two children.

You have to review your policy limits. Every policy is different.

Abolition of untouchability, gradual eradication of apartheid policy, living together relationship etc. are manifestations of social change, that have taken place over the decades in the social strata.

I assume you mean your friends homeowners policy & no it probably won't be covered.

Yes. It is called suplemental insurance .. your age and marital status are irrelevant.

The American Social Policy is a set of guidelines that affect living conditions and human welfare. The American Social Policy includes things like abortion and gay rights.

You need to have one policy that way you will be eligible for the "multi-car discount"

Any type of policy all together? I'm not sure.

Not as such. The insurance policy is what, broadly, defines what is covered and what is not, and the duties of the insurer and the insured. An endorsement is an amendment to the policy that changes the coverage that is otherwise provided by the policy. When read together, the proper scope of coverage may be determined.

No. You cannot insure any car that you do not own. The only exception to this is a legally married couple who are both listed as drivers. In a married situation like this vehicles may be owned by one or another and insured on a policy together. I always list both the husband and wife as insureds on the policy so that either one can make changes on the policy and sign documents. Remember an insurance application and policy make up a legal contract.

Most Chinese people realize it is a necessary policy to curb overpopulation for the sake of improving living standards.

Copyright ยฉ 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.