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Can you add someone with their own vehicle to your policy?
My husband's brother is going to be moving in with us. My husband wants to add him and his car to our policy. Is this possible? Does he need to get his own insurance?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Although your brother-in-law will be living with you, he most likely needs to get his own
car insurance
policy.Since the vehicle is in his name, car insurance companies won’t see you as having an insurable interest–you don’t have a personal stake in what happens to his car. Since insurance is risk-based, insurance companies need to know you have a reason to insure a vehicle, like ownership.
However, insurance is tricky! Some companies may allow you to
insure someone else’s car
, as long as the driver is also on the policy.If your insurance company doesn’t allow you to insure his vehicle, you will likely still have to list each other as drivers or household members on your policies. Even with separate policies, insurance companies want to know who has access to a vehicle.
If you want to be on a policy together, shop around. You may be able to find a company that will allow you to insure your brother-in-law’s vehicle as well.
View full answer
- Gregory R.
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