Is there such a thing as an insurance that insures the driver not the car? My son is at college 8 months out of the year and is only home to drive a car 4 of those months. The car insurance company says we must put him as a Primary driver on one of our cars, which is rediculous because he hardly ever drives! I was wondering if I could remove him from my car insurance and get some other kind of insurance that just covers him when he drives our vehicles. Does anything like this exist and if so, where would I get it?
That kind of insurance exists. It is called "Non owners insurance". It is only liability insurance and only covers other peoples property. It does not cover damages to the car he is driving. It only covers liability for a car that the driver does not own.......To buy it, contact an independent insurance agent.
But... I would never buy such a policy.
Some insurance companies play this silly game. A good decent company would cover your Son, (Unless state laws prevent it) because as a full time college student attending school away from home he is still LEGALLY a household resident and therefore would be covered as an occasional driver of a household car if he has a valid drivers license. Check your States law on this first and if the law allows it, switch insurance companies to one who will allow it..