Can i have an insurance policy on a vehicle if i am listed as the cosigner and the actual owner does not have a license?

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My boyfriend bought said vehicle and registered it, I got the ins from Geico and now they are refusing to continue to insure

Asked July 18, 2017

1 Answer


In general, it may be difficult to obtain an insurance policy on a vehicle if the actual owner does not have a valid driver's license. Insurance companies typically require the owner of a vehicle to have a valid driver's license in order to obtain coverage, as they are considered the primary driver of the vehicle. If you are listed as a cosigner on the vehicle, you may be able to obtain an insurance policy on the vehicle in your name. However, you would need to make sure that the owner of the vehicle is listed as an additional insured or listed as an excluded driver on the policy. If the owner is listed as an excluded driver on the policy, this means that they are explicitly not covered under the policy if they drive the vehicle. If the owner were to drive the vehicle and get into an accident, the insurance company may not cover any damages or injuries that result from the accident. It's important to note that insurance laws and regulations vary by state, so it's important to check with your state's insurance department or an insurance professional to determine the specific requirements for insuring a vehicle under these circumstances.

Answered July 19, 2017 by ailee44

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