My son lives with his girlfriend's family. Can he be added to that family's car insurance policy, even though he isn’t related to them?

Answered by Home Insurance, Car Insurance Expert Shannon on February 22, 2021

I have a 25-year-old son who lives with his girlfriend's family and drives their car (a Nissan). Should he be on their insurance policy? Is that possible since he's not technically related to them?

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Home Insurance, Car Insurance Expert

Drivers need to be listed on a policy if they’re a regular operator of the vehicle. The definition of “regular operator” may vary from company to company, but it usually means they drive the car one time or more per month on a regular basis. This is true whether they live in the household or not. If your son is listed as an active driver on your policy, he may be added as an inactive driver or non-driver on his girlfriend’s family’s policy; depending on the company there may be no additional cost.

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