Excluded drivers on car insurance

 · An excluded driver is an individual who is not covered by your car insurance policy in the case of an accident or incident. In most cases you, as the driver and owner of the vehicle, are the one who names this individual as being excluded from your insurance policy.  · What is an excluded driver? Simply put, an excluded driver is someone who has access to your car, but won’t be driving it and therefore will not be covered under your car insurance policy. How to Exclude a Driver from a Car Insurance Policy. You will need to contact your insurance company to complete a named driver exclusion form. Every state is /5().  · Even if your car insurance normally covers any licensed driver to drive on your policy, excluded drivers are not included in that provision. If an excluded driver drives your car and is in an accident, they will not be covered at all unless they have their own car insurance policy.

When a policyholder — or an insurance company — takes formal steps to remove a household driver from an auto insurance policy, that’s a driver exclusion. For example, an insurance company might want an excluded driver on insurance to avoid having to cancel an entire policy if one driver has a bad driving record, a suspended license or too. Some insurance policies come with a “named driver exclusion.” It states that one or more individuals in your household may not operate the insured vehicle. If an excluded individual drives the car and gets into an accident, the insurance company doesn’t have to pay for the damage. An excluded driver is someone you intentionally remove from your auto insurance policy. Know how you can exclude a flawed driver from your car insurance policy. You can exclude a driver in your household from your car insurance. This might be a wise decision if, for instance, you have a teen driver, who has racked up multiple accidents and tickets.

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