Do I Need to List You?

One of the most common auto insurance questions brokers receive is a client asking if they need to list a driver on their policy.

The answer is fairly straightforward. Inform your broker of the following:

  • All licensed drivers living in the household
  • The actual owner of the vehicle (if the parent owns the vehicle but the child is the driver)
  • A person who has regular and/or frequent use of the vehicle
  • A person who uses the vehicle as part of a carpooling arrangement

You generally do not need to list someone on your auto policy who you lend the car to for a short period of time, such as a visitor who takes the care once or twice during their visit.

It is important to remember that when you lend your car to someone you are lending your auto insurance as well. If they have an accident while driving your vehicle the claim will be listed on your insurance history.

For more detailed information you can refer to a handy document published by Gore Mutual Insurance. You can find that document here.

As always, your best resource if you are unsure of who should be listed on your auto insurance policy is your insurance broker. We are here to work with you and look after your best interests.