Can a grandparent put a relative who does not live with them on their policy?

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Is it legal for them to do this in order for the custodial parents with whom she lives, to avoid paying higher premiums?

Asked January 25, 2017

1 Answer


Yes, it is possible for a grandparent to add a relative who does not live with them to their insurance policy. However, the eligibility rules for adding a relative to an insurance policy may vary depending on the type of insurance policy and the insurance company's underwriting guidelines. For example, if the grandparent wants to add a relative to their health insurance policy, the insurance company may require that the relative be a dependent of the grandparent or have a qualifying life event, such as loss of other coverage. If the grandparent wants to add a relative to their auto insurance policy, the insurance company may require that the relative be a licensed driver or have permission to drive the grandparent's vehicle. It's important to check with the specific insurance company to determine their eligibility rules for adding a non-resident relative to an insurance policy. The grandparent should also consider the potential impact on their insurance premiums and coverage limits when adding another person to their policy.

Answered January 26, 2017 by SaulGood

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