Is it possible to have non-owner insurance?
My wife is the registered owner of a car in our household, but she hasn’t driven it at all—zero times—in the two years we’ve had it. Can I remove her from my policy as a driver since she never drives, even though she’s the sole owner of the vehicle?
For your reference, we have an Esurance policy in NY that covers multiple cars.
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Yes, you can typically remove your wife from your policy as a driver if she doesn’t drive the vehicle, even if she’s the registered owner. However, it’s important to discuss this with your insurance provider, as different companies have different policies regarding non-owner insurance and how they handle listed drivers and owners.
Here are some steps you can take:
Contact Esurance: Reach out to your insurance agent or customer service to explain your situation. They can provide you with specific information and guide you through the process of adjusting your policy.
Consider Non-Owner Insurance: If your wife doesn’t drive, she might consider non-owner insurance, which covers liability when she drives someone else’s car but doesn’t provide coverage for the car she owns.
Check State Regulations: Some states have rules about insured drivers and vehicle ownership that might affect your situation. Make sure you’re in compliance with New York’s insurance laws.
Liability Concerns: Keep in mind that, as the registered owner, your wife may still have some liability in the event of an accident involving the car, so discuss this with your insurer to understand any implications.
Always ensure that any changes to your policy meet your needs for protection and compliance with your state’s laws.