When a policyholder wants to keep one person off their insurance policy, they may be able to do so through a named driver exclusion. Excluded drivers may include partners, children, roommates, and extended family members.
If an excluded driver gets into an accident, the insurance carrier will likely not cover any of the damage. This potentially leaves the vehicle owner, excluded driver, and/or policyholder financially responsible, depending on your state’s laws.
It is important to note that not all states or insurance providers allow excluded drivers in their policies. You can review your car insurance policy or ask your insurance provider for better clarification.
Why it matters
Policyholders can choose to use the named driver exclusion clause for a specific person for a variety of reasons, which may include if they have:
- A history of accidents
- Frequent moving violations
- A record of driving under the influence
Any of these circumstances can potentially increase car insurance premiums. Policyholders may choose to exclude those household members to help keep their premium down.
Tips for policyholders
If you choose to utilize the named driver exclusion clause in your policy, you may want to talk to the excluded driver. It can be crucial for the excluded driver to understand that they cannot drive your vehicle unless they have their own policy or are reinstated under yours.
Get a free auto insurance quote today
If you are looking for a new insurance provider, Infinity Insurance Agency, Inc. (IIA) may be able to assist you. IIA works with multiple insurance carriers, so you can choose a policy that makes the most sense for you.
Call 1-855-478-3705 to speak to one of our Spanish bilingual representatives, or get a free quote on our website.