If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy. The reason is that car insurance follows the car, not the motorist.

Does my insurance cover my child driving my car?

We cover anyone who drives your car, even if they’re not listed. Cover is subject to standard underwriting guidelines and policy terms. For vehicles insured in NSW, QLD, ACT or TAS, an additional excess applies to drivers under 25 or with less than 2 years’ driving experience.

Can a young driver still be on an auto insurance policy?

However the cost of insuring a young driver drops each year as they get closer to 25, assuming they maintain a clean driving record. If your child is in college and living away from home, they can still stay on your auto insurance policy as long as your home is their primary residence.

Do you have to put your grandkids on your car insurance?

Most insurance companies expect family members living in the same home to be listed on the policy. If your grandkid lives with you and uses your car, you should add them to your policy. Even if your grandkids don’t live with you, they may still need to be added to your policy.

Can a young adult stay on their parents car insurance?

In practice, the transition point from your parents‘ car insurance policy to your own policy is a gray area. Some insurers have greater flexibility or acceptance of young adults staying on parent plans a bit longer. If you’re considered a dependent, you can stay on your parents’ car insurance.

How old do you have to be to take your child off your auto insurance?

According to Lynch, a child living at home or going away to college or graduate school will be allowed to remain on their parents auto policy with no additional fees until age 24, unless he or she has purchased a separate insurance policy.