Quick Answer: Can Someone Else Be The Main Driver On My Car?

Can my son drive my car if he doesn’t live with me?

Your child likely won’t be able to be on your policy any longer because he or she doesn’t live in your household.

If you’re the parent who isn’t listing the child on your car insurance, your child can still drive your car and be covered by your insurance.

It works just as if you had a friend borrow your car..

Can you own a vehicle and someone else insure it?

While the person who owns a car is usually the one who insures it, most states will allow policies to be paid by someone other than the owner. However, many will not insure a car if the policyholder and car owner are not the same.

Can someone else be the primary driver of my car?

Usually, the car owner will be the primary driver of the vehicle. This makes sense – if you purchased the car and pay the insurance, logically you would be the driver. But it’s not always the case. … So the primary driver isn’t necessarily the owner of the car.

Can I drive someone else’s car if I’m a named driver?

If you drive someone else’s vehicle then you will not be covered by their (the main driver) motor insurance policy – you must become a named driver on their policy. Named driver policies are only appropriate if the named driver is not the main driver (main user) or the owner of the vehicle. …

Does main driver have to be policyholder?

Typically, it’s fine as long as the main driver of the vehicle is the actual policyholder. In other cases, if there’s more than one main driver, then it might be worth getting a joint car insurance policy.

What is the difference between main driver and named driver?

A named driver is someone who is insured to drive a vehicle in which another person does most of the driving. When driving that vehicle, the named driver will have the same level of cover as the main driver. … You’ll be asked to give some details about the drivers you add, and you’ll need to pick the ‘main driver’.

Is someone covered driving my car?

Your Comprehensive Car Insurance or Third Party Car Insurance policy is only attached to your vehicle. It doesn’t follow you when you drive other people’s cars. For someone else to be covered while driving your vehicle, they need to be on your policy as a listed driver.

Does a named driver have to have their own insurance?

Generally, named drivers are unlikely to be able to build up their own no claims bonus through being named on someone else’s car insurance policy. This is done by the named driver having their own insurance on their own car.

How many cars can you be primary driver on?

Can one person be the primary driver on two cars? Yes. Most, if not all, insurance companies will allow you to name one primary driver for two or more cars. In fact, many companies will even provide you with a multi-car discount on your premiums when you register multiple vehicles.

Can you be the main insurer on a car you don’t own?

Would an insurance company cover the car? In some circumstances, yes, you can insure a vehicle you don’t own, but it’s difficult to become the primary policyholder on a car that’s not yours. And it’s extra tricky to get coverage if you don’t live with the vehicle’s owner.

What happens when you let someone else drive your car?

In most cases, if you give permission to someone else to drive your car (making them a permissive driver) and they cause an accident, your insurance will cover the costs. … If the person who was driving your car doesn’t have their own insurance, they may be on the hook financially for damages to the other party.

Can you have 2 main drivers on the same car?

Insurance can cover you with one policy. You can add multiple drivers to your insurance policy, but typically companies only allow up to four vehicles per policy, with one main driver and up to four additional named drivers.

Can I be second driver on my own car?

Yes, if as an additional driver you have your own policy, then you should tell your insurer that you are covered to drive another vehicle as an additional driver.

Who should be the main driver on car insurance?

The main driver on your car insurance The declared main driver should be the person who: regularly uses a car to drive to or from work / place of education.

Can I drive my dad’s car with his insurance?

No, it’s not illegal to drive someone else’s car. But you’re legally liable for the vehicle that you’re driving, regardless of whether you own it or not. … According to the National Road and Motorists’ Association, the driver is legally responsible for whether or not a car is registered or insured – not the owner.