Can I add my dad to my car insurance if he already has a car and his own insurance policy

Yes, you can add your dad to your car insurance policy even if he already has a car and his own insurance policy. However, it's important to note that all licensed household members should be disclosed when applying for car insurance, including your spouse, significant other, and children. If your dad lives with you, it's recommended that he be added to your policy as an additional driver, even if he has his own car and insurance. This will ensure that he's covered if he needs to drive your car for any reason.

It's important to keep in mind that adding an additional driver to your policy may increase your premiums. Insurance companies take into account a variety of factors when determining premiums, including the driver's age, driving history, and the type of car being insured. However, if your dad has a good driving record and a low risk profile, it's possible that the increase in premiums may be minimal.

In summary, while you can add your dad to your car insurance policy even if he already has his own, it's important to disclose all licensed household members to ensure that they're covered in the event of an accident. It's also important to consider the potential impact on your premiums before making any changes to your policy.