Car insurance follows the car not the driver.
It's not that simple.
1- Insurance on the car (collision and theft) follow the car. Because it is what it being insured.
2- Liability insurance follows the driver. Because their actions are what's being insured.
3- Most policies have various levels of "incidental" use provisions. If I let a licensed, but uninsured, driver borrow my car, he is sort of grandfathered into my policy. But that probably doesn't count for 9 months worth of use. Probably what you'd have to do it add him into your policy as a user of the vehicle.
3b- Similarly, if I am an insured driver and I borrow a car that has no insurance whatsoever going on, my liability will be covered by my policy. But that car will not be covered.
4- If the car is going to be "living" with him, you might need to update your policy to show where its garaged location is.
posted by gjc at 5:23 PM on March 31, 2009
source: https://ask.metafilter.com/118253/How-to-let-someone-borrow-your-car-for-an-extended-period
