Do both spouses need to be on car insurance?

Do both spouses need to be on car insurance?

You do not have to add your spouse to your car insurance. Most car insurance companies will want all licensed members of your household listed as drivers, to make sure your policy’s rate is calculated properly. But there is no legal requirement that says a driver must add their spouse to an auto insurance policy.

Does everyone in the household have to be on car insurance?

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 do not live with you, but still occasionally drive your vehicles, you will need to inform your car insurance company.

Can you have seperate insurance on the same car?

You and your partner can both take out separate policies for the same car. Car insurance policies are for both the vehicle and the driver, so it’s perfectly fine, legal and common for two people to be insured on the same vehicle under separate policies.

Will my car insurance go up if I add my wife?

Your car insurance will go up if you add your wife to your policy and your insurance company views her as a relatively high-risk driver. Your car insurance rate will also go up if your wife has a vehicle that you are adding to the policy as well.

Can I drive my wife’s car on her insurance?

Typically, even if the person driving your car has his or her own insurance, your insurance will be the primary payer for damages caused by your vehicle; but, the person driving your car has to be found legally at fault before your insurance will pay.

Do all drivers in a household have to be insured Ontario?

Ontario law requires that all motorists have auto insurance. Fines for vehicle owners, lessees, and drivers who do not carry valid auto insurance can range from $5,000 to $50,000. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded.

Can you add a non family member to your car insurance?

Yes, you can add a non-family member to your car insurance policy, as long as they meet the requirements of your particular auto insurance provider. However, it might be difficult to add someone to your auto insurance policy if they don’t live in the same house as you do, whether they are a family member or not.

Can I have 2 cars insured in my name?

Can I insure 2 cars in my name? Yes. If you own two cars and are the primary driver for both, you can insure both of them in your name. Just be sure that the primary driver is genuinely the main user of the vehicle, rather than any named drivers.

Can I drive my wife’s car if I’m not on her insurance?

Yep. Your spouse is going to have to be added to your car insurance policy, whether they drive the vehicle or not.

Can my wife drive car?

Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy.

Can a married couple have two car insurance policies?

Two car insurance policies can be held in the same household in certain situations. This can include a married husband and wife who want to retain their own separate policies or a situation where there is a child who has their own car, separate from their parents, and thus their own policy.

Can You Keep your spouse off your car insurance?

Many times spouses will be listed on car insurance policies together. However, some instances may warrant removing your spouse or keeping your spouse off your policy. If your spouse already carries insurance, you may be able to keep them off your policy with an affidavit.

Do you have to have your spouse on your insurance?

Spouses are often listed on insurance policies together, but there may be times when you do not have to have your spouse on your policy. If your spouse already has a policy in force, then you may be able to avoid putting them on your policy.

What should I do before adding my spouse to my car insurance?

You should always run your spouse’s motor vehicle record or request a claims history report from their insurer if you are contemplating adding them as a driver or a named insured.