There are many reasons you may want to add a romantic partner to your car insurance policy, such as if you both share the vehicle to get to and from work. But can they be officially added to your car insurance policy?

In short, yes. It’s possible for you to add your partner to the same car insurance policy. There are stipulations, however. Many car insurance providers are reluctant to allow clients to add people who are not in the home to their car insurance policy. If you and your partner do not live together, you may have a harder time adding them to your car insurance policy. 

There are also other factors to take into consideration before adding another person to your policy. 

If you add another person, that person’s driving record can have negative affects on your car insurance premiums. If your partner has a poor driving record, it can drive up the cost of your monthly car insurance premiums and put you at risk for filing a claim if they get into an accident. Carefully consider the benefits and downsides of adding your partner to your car insurance policy.  

How to Add Someone to a Policy 

Your insurance provider always needs to know if someone is borrowing your vehicle. If an uninsured partner or friend causes an accident while operating your vehicle, some damages may not be covered if your insurance agent was not notified that someone else was driving it. 

Your policy could even be cancelled if you fail to mention that your partner is driving your vehicle without a license or with a poor driving record. The insurance provider may claim fraud and cancel your policy. 

Adding someone to your policy is fairly simple, especially if they live with you. Simply call your insurance agent and notify them that you would like to add someone to your policy and they will take you through the steps of insuring the other driver. Some people that live with you may already be considered covered under your car insurance policy, so make sure to speak with your insurance agent whenever you have questions. 

Another factor to keep in mind is excluded drivers. In the rare circumstance, you or your insurance provider may choose to exclude a driver completely from the policy. For example, if you break up with a partner and don’t want them using your car. If you allow an excluded driver to operate the vehicle, they will not be covered.