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If the child is a lisenced driver living in your household, the insurance company assumes that he will drive the car. It is possible to have an exclusion added to the policy (more likely to be the company's decision after the minor has had 3 or 4 claims) that states the child will not drive it. If you have this exclusion, there is NO COVERAGE IF THE KID IS DRIVING, so don't even let him back it out of the garage. In a nut shell, because they do not believe that the child won't ever drive the car, and actuarial experience bears out that they are right. Odds are that sooner or later most parents will let the child drive the car "just this one time...". As mentioned above, most states allow insurers to exclude an operator from coverage and thereby reduce the premium accordingly, but be aware that if the child is the operator in an accident of significant proportions, your financial life could be profoundly effected. In other words, if he/she seriously injures or kills someone, and you are found liable, well.... let's just say it won't be pretty. Think VERY carefully before selecting this option. If he/she is not living in your household (and has a legal address elsewhere but the car is NOT pricipally kept there), none of the above applies. As long as they are licensed and operating the vehicle with your permission (and do NOT do so on a regular and frequent basis), there would be coverage. You are required to add a child to the policy because almost every policy is a family policy, in that every resident relative is covered to drive your vehicles contractually whether or not they are listed as an operator on the policy. See your Definitions section of the contract for 'insured driver'. What that means is that the company is legally on the hook for paying if they drive or not, so they are deffinitely going to collect the premium for it. A NDE (Named Driver Exclusion) is a possibility, but be warned: these are usually underwriting decisions by the company (We'll nonrenew you unless you sign this NDE for your son who has had 4 accidents in the past 3 years.) so if you ASK for an NDE and one is applied, it will still be considered generally as though the company asked you to have one when you want it to come off. In that the company may NOT WANT to take it off, may have some guidelines (no accidents/tickets in past 3 years for example) for when one can come off.

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โˆ™ 2006-10-19 23:51:18
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Q: Why do you have to add your child to your car insurance policy if they never drive your car?
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Do you have to add your child to your auto insurance policy if they do not live at your address?

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.


In New York State can you exclude a spouse from your auto insurance policy if she will never drive due to a lifelong disability?

As long as you let the insurance company know that you are married and the reason she will never drive the vehicle.


Do you have to add your child to your car insurance?

As long as the child is a member of your household they must be listed on your insurance policy as does anyone living in your household or being a driver of any of your vehicles. This is stated on your policy that you agree to list all residents of your household and drivers of your vehicles on your policy. Most insurance companies will allow you to list and then exclude people who have their own insurance and will never driver your vehicles. Just remember that if you exclude a person that anytime they drive your vehicle for any reason there will be no coverage at all if the excluded driver is driving.


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I had a house fire last year and my insurance company dropped me after the claim Can my girlfriend purchase a homeowners insurance policy and claim that she has never had a canceled policy?

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Is your car covered by homeowners insurance on their property?

No. Your Car is covered by your Auto Insurance Policy. It is never covered by a homeowners policy no matter whose property it is on.


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Do you have to add live in boyfriend to car insurance if not driving but licensed?

Most policies state that you have to notify them of all household members and drivers of the vehicle. This is something that you have agreed to do in the insurance contract. Many insurance companies will allow you to exclude the person from your insurance policy if they absolutely do not drive the vehicle. When you sign an exclusion you are agreeing that not only does the person never drive your vehicle but also that if this person does drive for any reason there is no coverage under the policy while he is driving. If you get sick and cannot drive but your boyfriend does and has a wreck they pay nothing. In order for a person to be covered they must be listed on the policy and any premium for them must be paid. Doesn't that sound fair. They are covered only if you pay for them to be covered.


Can coverage on a non-owners auto insurance policy be extended to a company car that I drive?

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If you remove your dependent child from your auto policy after he has received two speeding tickets will the rate still go up?

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If you and a spouse have different health insurance but have never designated one as primary or secondary could this cause problems when you do designate primary or secondary?

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In NJ if you have a valid drivers license but never drive do you still have to have insurance?

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I bought a 2007 impala for my daughter in my name. I never drive the car. I want insurance on the car in my daughter's name.?

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If a Life Insurance company goes out of business what happens to the loan you have with them?

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