Adding husband as a driver on car insurance? :S

posted 3 years ago in Legal
Post # 3
Member
67 posts
Worker bee
  • Wedding: June 2013

you don’t have to add him if he doesn’t drive. 🙂

 

Post # 5
Member
10219 posts
Sugar Beekeeper
  • Wedding: December 2012

I do not understand this concept at all… and have NEVER heard of it

(And I’ve been driving for over close to 40 Years)

IMO, Someone gave you the wrong info.

You don’t add on people who don’t drive.

So your rates won’t go up… if anything they may go down because you are now Married and therefore seen as more stable / a lower risk (ie, have something worth living for, as to take less risks as a Driver)

Hope this helps,

 

Post # 6
Member
10748 posts
Sugar Beekeeper
  • Wedding: February 2014

@Extension54:  Are you sure it wasn’t licensed members of driving age? Seems super weird to have to add someone who doesn’t drive. 

Post # 8
Member
3598 posts
Sugar bee
  • Wedding: December 2011

@Extension54:  I think you should tell them that he’s never going to have a license and will never be driving because he has a medical issue that makes it physically impossible.

Post # 10
Member
13004 posts
Honey Beekeeper
  • Wedding: June 2011

It depends on where you are.  In MA, you don’t have to add anyone that will not be driving, even if they are licenced member of the household.  I believe that in NJ, you must add anyone of driving age, licenced or not.

But in your case, I think that’s BS.  You should not have to add him, there must be some way to get around this for medical condition. good luck!

Post # 12
Member
13004 posts
Honey Beekeeper
  • Wedding: June 2011

@Extension54:  Ugh, that is so wrong!  It doesnt matter if he has access to the car, he wont and will not be driving it and does not need access to the insurnace account.  I mean, a 14 year old can have access to a vehicle, but they aren’t insuranced in case they steal the family car for a joy ride (which I’ve seen in the news before!).  Well, I guess it worked out since you wont be paying more, but I’d still be mad.

Post # 13
Member
2100 posts
Buzzing bee
  • Wedding: October 2013

Adding FI to mine LOWERED my rate! Why you ask? Because he owns a home! Apparently 35 year old women, who have perfect driving records (literally), hold a FT job but live in an apartment are huge risks for car insurance companies.

If he doesn’t drive, I wouldn’t add him unless it dropped it. No reason to increase it. No reason to add him.

Post # 14
Member
10489 posts
Sugar Beekeeper
  • Wedding: January 2011

I would look into switching your insurance if the price even increases a $1 compared to what you were paying once they get back to you!

Post # 15
Member
13168 posts
Honey Beekeeper
  • Wedding: July 2010

That is ridiculous!  He will never drive; There is no reason for him to be insured.

Personally, I’d consider switching insurance companies.  First off, our insurance decreased when we put us both on the same policy and I’ve never heard of having to put people who legally can’t drive on your insurance policy.

Post # 16
Member
312 posts
Helper bee

@Extension54:  I live in PA and handle auto insurance claims. You can exclude him from your policy and not pay the extra premium: It’s called an excluded driver form. Customer service representatives at insurance companies are generally in different states and do not know the laws of all the states they get calls for. If someone doesn’t know what they’re talking about I keep calling back until I get someone who knows how to do their job. 

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