It depends on a couple things. Does the spouse have a valid drivers license? Does the spouse live in the same house? Does the spouse live in Another Country?
These questions can help determine if your spouse needs to be added. Some insurance companies will not cover your car if it is in an accident and was being driven by your spouse, if that person was not listed as a driver.
Insurance companies charge a premium based on the amount of risk. Everything is risk; the area you live, the car you drive, your age, your sex, how many miles per year you drive, etc. If another driver lives in your house and has access to your keys, the insurance company will want to rate for that person (charge more money).
The alternative is not telling your insurance company and waiting until after an accident to find out you broke the contract (all policies are contracts), and that they will not pay to fix your car or represent you in legal trials. Is it worth it to save a few dollars and try to cheat the insurance company if it means you won't have car insurance when you actually need it?
If your spouse has no drivers license and does not drive, then no, you don't have to include them on your auto insurance policy. Actually, they have to have a drivers license before they can be added to the policy.
Yes: Your spouse/children can be included on your insurance policy regardless of who was/if there was a cosigner on the car.
Yes, it is possible to be added to your parent's car insurance, but there may be an extra premium to be payed.
In my state, Alabama, it depends on the insurance company. Some don't have the pre-existing clause while some do. But, also in this state, you can only be added to a spouse's insurance under certain conditions if you were added when he or she first enrolls. You need to check with the spouse's HR department at work.
That's simple. Just tell your insurance agent that they will be driving the car. However, know this. Your spouse's driving record will directly affect your insurance premiums regardless of whether or not they will EVER be driving your car. Not fair but completely legal in Ontario.
No, Not legally unless it's your spouse.
spouse did not know name was on policy or that the other name was removed without knowledge
Yes, If someone will be driving the car, it is recommended to add inform your insurance company and have them added to the policy.
Legally...no. But, for insurance purposes, yes.
In general, all rental companies charge for the 2nd driver or spouse. As the renter, you receive no additional benefit from this fee. If you have another car with insurance, it's very likely that your own insurance policy will cover both you and your spouse without purchasing extra insurance or additional driver coverage from the rental company. *Check with your own insurance company to be certain.
Yes, You can still get auto Insurance on your own.. It is common for people to exclude an unlicensed spouse from from coverage on their Auto insurance Policy. This way you don't get penalized for your spouses driving record.