The car stays home
If the car stays at home and the student only drives it on visits, many policies keep them listed as a household driver. Insurers use different distance cutoffs, so ask.
The car goes to campus
Where the car is mostly kept is called its garaging address. If it moves to campus for most of the year, tell your insurer so the policy shows the right place.
Questions worth asking
- Does the student remain on my policy while away?
- What counts as “away” to you, a number of miles or months?
- What happens if the student brings a car back and forth?
Coverage for borrowed cars
Students often borrow cars from friends and roommates. A person’s own policy may or may not apply, so check before it happens.
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