The insurance will list the owner as the primary driver, and the other as a secondary driver. Of course, you'll need a separate written agreement stating clearly who really owns which car. Even if you and your lover jointly own a car, you may have some trouble securing the policy you want. You shouldn't have too much trouble getting a joint policy, as long as your household looks stable and your driving records are good. But you may run into some other snags.
Some insurance companies refuse any secondary coverage to unrelated people who co-own a car.
You may have to talk with a number of insurance agents before you find a policy that will provide complete coverage for both you and your lover. If you have significant assets, you should also buy an umbrella policy, which provides additional coverage if you get into a major accident. As an unmarried couple, you'll each have to purchase your own umbrella policy. Send us feedback . Inc. 30 years of providing quality legal information.