Yes, you can generally add a driver who does not live in your household to your car insurance policy, but you must accurately disclose their regular driving frequency and age when setting up or updating the policy. Insurers calculate premiums based on the primary risk profile of whoever uses the vehicle, and failing to declare a frequent or young driver who regularly uses the car can lead to claim denials or higher excess fees under non-disclosure clauses. If the person will only drive your car on rare, isolated occasions, many standard policies provide occasional driver coverage automatically, but listing them permanently is necessary if they drive it regularly.
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