I want to put insurance on my boyfriends car, and not list him as a driver on the insurance policy.

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I am wanting to insure my boyfriends car (which is in his name) but I do not want to list him as a driver on my insurance policy due his BAD driving record. It’s WAY to expensive to be in his name or be listed as a driver. I have heard you can’t do this and they need to be listed as a driver. Just wondering what the consequences are if he were to get pulled over, and the insurance card does NOT have his name on it, just mine.

TIA!!!!”

Asked June 7, 2017

1 Answer


It is not recommended to put insurance on someone else's car without listing them as a driver on the policy. Insurance companies require accurate information about the primary driver of a vehicle in order to provide appropriate coverage and avoid potential claims issues. If you are not listed as the primary driver on the policy, any accidents or claims involving the car may not be covered by the insurance company. Additionally, if you are found to have intentionally misrepresented information on the policy, it could result in your policy being canceled and difficulty in obtaining insurance in the future. If your boyfriend is the primary driver of the car, it is important that he is listed on the insurance policy as the primary driver. While this may result in higher premiums, it is the only way to ensure that the car is properly insured and that any claims will be covered in the event of an accident. It's important to note that if you live with your boyfriend and have regular access to the car, you may be considered a secondary driver and still need to be listed on the policy. This is to ensure that the insurance company is aware of all potential drivers of the vehicle and can accurately assess the risk associated with insuring it. Ultimately, it's important to be honest and transparent with your insurance company in order to ensure that you have adequate coverage and avoid potential legal and financial issues down the line.

Answered June 8, 2017 by jamesjones

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