We cover anyone who drives your car, even if you haven’t nominated them on your policy1. If the driver of your vehicle is young or inexperienced then an additional excess may apply if they’re at fault in an accident.

What is considered household for car insurance?

Answer: In general, an immediate or extended family that lives with you as well as non-family household members that drive your vehicle, such as a roommate, can be considered a member of your household by a car insurance carrier.

Does the registered keeper have to be the main driver on insurance?

Some insurers will only insure a car’s registered keeper as its main driver, so check the policy terms carefully before buying if this is not the case. However, you don’t have to own a car to be its registered keeper, which is whoever’s named on the DVLA registration certificate (DVLA V5C).

Does car insurance cover everyone in the household?

Yes, everyone in your household should normally be listed on your car insurance policy. You need to disclose all household members when applying for car insurance. If your children live with you and are licensed drivers, they would need to be listed on your policy so that they were properly covered.

Does every licensed driver in a household require that?

Due to the potential risk that this causes, many companies require all drivers to be listed on the same auto insurance policy. This may include household members who do not currently hold a license, but have been licensed in the past.

Do you have to list everyone in your household on your car insurance?

All household members should be known to the car insurance company, but do not necessarily have to be listed as covered drivers depending upon the situation. For instance, if you have a son that is 16 but not yet licensed and so he doesn’t drive, they may require that you list him on the policy but will not rate him until he is licensed.

Why do all drivers have to be listed on your insurance policy?

Why do all drivers who live in your household have to be listed on your insurance policy? Because auto insurance is a risk-based business; in other words, insurance providers want to know what risks are involved with insuring you and your vehicle. That means that they are going to need to know about anyone who may be driving your car.

Do you have to have everyone on your car insurance policy?

Your insurer then may or may not require you to have them on your car insurance policy as occasional drivers. It depends upon the insurer’s internal guidelines. In general, anyone that drives in your household and sometimes also those outside of your household that on a regular basis use your vehicles should be listed on your policy.