Quick Answer: Can My Wife Drive My Car If She’S Not On My Insurance?

Does your spouse need to be on your car insurance?

You do not have to add your spouse to your car insurance.

Most car insurance companies will want all licensed members of your household listed as drivers, to make sure your policy’s rate is calculated properly.

But there is no legal requirement that says a driver must add their spouse to an auto insurance policy..

What happens if driver is not listed on insurance?

If the driver is not stated to be excluded, your car insurance would be liable if something happened as they are borrowing your insurance. If a friend, relative, coworker, or neighbor borrows the vehicle, they are likely to be covered.

Am I covered if someone else drives my car?

Can someone else drive my car under my insurance? The short answer: Yes. Your auto insurance covers your car, not the person driving it. If someone borrows your car and crashes it, your insurance will cover the losses — however, your premiums may increase.

Can I drive my parents car if I’m not on the insurance?

Can I drive my parents’ car without my name on the insurance? Unless you still have your learner’s permit, you need to be added to your parents’ car insurance policy if you’ll be driving it more than occasionally. … If you’re not covered under your parents’ policy, buy insurance before you drive.

Can someone not on my insurance drive my car?

Your Comprehensive Car Insurance or Third Party Car Insurance policy is only attached to your vehicle. … For someone else to be covered while driving your vehicle, they need to be on your policy as a listed driver.