Excluded Driver On Insurance Policy. There are a number of reasons a policyholder or insurance company might consider this, but it usually comes down to one simple word: How to exclude a driver from a car insurance policy.
An excluded driver is someone you explicitly want to not be covered on your car insurance policy. Once they're removed from your policy, that person can't drive your vehicle and won't receive coverage. Some states and companies do not allow exclusion of a driver.
What Is An Excluded Driver?
Listing a driver as excluded is usually cheaper than adding them to your car insurance policy. Insurance for the removed or excluded driver You will need to contact your insurance company to complete a named driver exclusion form.
Essentially, Your Car Is Uninsured While Under Control Of The Excluded Driver.
Do all insurance carriers allow driver exclusions? An excluded driver is someone you explicitly want to not be covered on your car insurance policy. What happens if an excluded driver on my car policy has an auto accident and my insurance has denied the claim?
For Example, If You Have An Auto Insurance Plan With Two Drivers And One Of Them Is Excluded, Then That Person’s Rate Will Not Be Added To The Other Person’s Premium For The Duration Of This Agreement.
This also means that the excluded driver can never drive the vehicle and if they were to be in a car accident it would not. Excluding a driver from your policy can save you money because the excluded driver’s rates are no longer being included in the insurance package. 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.
An Excluded Driver Is An Individual Who Is Not Covered By Your Car Insurance Policy In The Case Of An Accident Or Incident.
An excluded driver is someone who has been removed from your insurance plan and won't receive coverage if they drive one of your cars. Again, this does not take away liability from the excluded driver or car. Your insurance provider cannot exclude a driver from your insurance without your consent.
There Are A Number Of Reasons A Policyholder Or Insurance Company Might Consider This, But It Usually Comes Down To One Simple Word:
Their name will show as excluded on your policy, and they won’t be insured to drive any vehicles on your policy. What does an excluded driver mean on your car insurance policy? How does an excluded driver affect the cost of insurance?