What Is An Excluded Driver?

Excluded Driver – When Should You Exclude A Driver?

Any household members must either be listed as a rated driver on your insurance policy or excluded (meaning no coverage). A reason you may want to exclude rather than the rate a driver is if they have an extensive amount of accidents/violations on their driving record which will cause your insurance premium to increase.

Excluded Driver – Do I Need To Add Someone As A Driver Who Only Drives Occasionally?

Any person driving your vehicle, even on occasion like once a month, must be listed as a driver in order for your car to be covered in the event of an accident. If they are listed as Excluded, or not listed on your policy as a driver and an accident occurs, they may not be covered at all.

Excluded Driver with a Non-owners Policy?

A Non-owners policy cannot include additional drivers, included or excluded. This is because unlike traditional auto insurance policies that ‘follow’ the car, a non-owners auto insurance policy follows the driver.