Is it against the law to get insurance in my name for my boyfriends car?

Fred C

Insurance and registration are 2 different things. If you are going to be driving the car, and it "sleeps" at your house, you have care, custody, and control. Insurance should be in your name, based on your driving record. You sign an "agreement between parties", similar to a lease, but no rent is paid. You insure, but you do not own the vehicle. If you both drive the vehicle, and it does not go home with you, insurance should be in his name with you added as a driver. There will be some variations in laws and procedure from state to state and province to province. You and your boyfriend need to be together and talk to your insurance broker and the registrations department. In Manitoba, you would be talking to me, or someone in my position in one of 350+ brokerages throughout the province.

Paris, je t'aime

um... it isnt illegal, but it would be in your name, and it wouldnt cover him... only you... and if he's ever to get in an accident YOUR rate would go up... os it would be bad for you

russianoxford

Do you ever watch Judge Judy? Do you know how many women get taken advantage of by guys asking them to just this. Who's car is it? Check with YOUR insurance company. You don't want to get stuck, if he has an accident, with the bills.

luv2fish

I don't know if it is against the law or not but it is not a very smart thing to do.

agentdenim

Usually not, but if you are in the US this law would vary state by state. You should check with an insurance rep for a good insurance company, and also, check with people who have been insured for many years and may understand the rules and rationales better - parents, a trusted teacher or clergy member, etc. Generally, though, you would not do this if you are already insured on your own car, because you are already insured.

ianforty3

Not in the UK

waggy_33

you can only get insurance if you have a risk of loss. If you wouldn't suffer a loss if the car is wrecked they probably won't pay off on the policy. This is called an insurable interest.

csburridge

Let him get his own insurance.
If he can't afford it, he should not be driving.

Wil T

Depends on the state you're in I guess. I imagine your boyfriend has accidents, tickets etc and is being quoted a high rate.
You'd have to have the car transferred to your name I believe and if you decide to do this, at the first sign of trouble, assuming you do get a sign, back out of the deal. Like others have said, it's doable but not a wise idea.

Sam

when your boyfriend has an accident, you're insurance premium will go up. So when you buy your own car in the future, your insurance will be high.

Hoping that your boyfriend is a good driver. It's strange though why he wouldn't want his name in the insurance. Could be because he has a bad record and no insurance will approve him.

Don't look too close!

Be careful with this. You'll may be asked to state the primary driver for the car (the one who'll be driving it most) and some policies require all drivers. Misrepresenting yourself may invalidate the policy.

Also check the policy for rules regarding lending your car to third parties.

It is usually a bad idea to do this. It may ruin your insurance claim history, and the insurance company may not pay out based on the above.

Loollea

you are just asking for trouble, better not to do it

Chris

If you don't own the car, you can't get insurance on it in your name. You have no insurable interests, which is necessary in order to insure a vehicle.

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