Post # 1
So, my husband doesn’t drive. He’s never had his license because he was born with congenital nystagmus, which just means that his eyes constantly move, 24/7, 365.
He’s essentially legally blind and has never driven a car. I didn’t realize I would be expected to add him as a driver on my Geico insurance even though he doesn’t have a license, but apparently I do. So I just filled out the “add new driver”section on my online policy manager and they said they would get back to me soon and that this may increase my premuim. Seriously? I can barely afford it as is – will adding him really increase it? If it does increase, will calling them to plead do anything? 😐
Post # 3
you don’t have to add him if he doesn’t drive. 🙂
Post # 4
@ahigg396: Really? It seemed as though I did. Oy, I just locked myself out putting the wrong login information, so I can’t check now. But I think it said something like “All unlicensed house members of driving age?” I wonder if they’ll let me revoke it 😛
Post # 5
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
@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 # 7
Yeah, it specifically had an option for people in your household who do not have a license.
Ugh, I just got this email:
We’d like to begin by congratulating you on your recent marriage! We completed your request to add Mr.Extension54 to your policy. However, since you indicated that Mr.Extension54 is currently unlicensed, we will not rate for him as an active driver.
Mr. Extension54 will now have access to your policy information, as well as the ability to make changes to your policy, as needed. As soon as Mr.Extension54 obtains a driver’s license, please log into your policy to update the license number by navigating to the Driver section.”
I know $13 more isn’t much, but it’s still an increase 😐 Maybe I should call them and explain and make sure.
Post # 8
@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 # 9
@strawbabies: Yeah, I’m on hold with them now. Apparently even though he cannot drive the car ever, he still has to be on the policy because he’s a spouse. Now she’s looking for “further discounts” for me. Which hopefully amounts to more than getting home owners insurance 😛
Post # 10
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 # 11
@pinkshoes: I think so, too. 😡 And we’re in PA for reference. I’m not sure what their reasoning is, maybe that even though he’s not suppose to drive, he’s still in the vicinity where he would have access to the car? Who knows. But she couldn’t find us any further discounts, so I told them I drive the car less than I initially reported, which took $19 off the premium and I’m going to sign up for automatic withdraw payments which will take another $5 off per month, so I’ll be around where we started. But, still, the prinicpal is frustrating 😛
Post # 12
@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
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
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
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
@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.