What does an excluded driver mean on insurance?
An excluded driver refers to a driver whom you ask your auto insurance company not to cover. Once they’re removed from your policy, that person can’t drive your vehicle and won’t receive coverage from your insurer. However, sometimes, it’s the insurance company that wants the exclusion.
Does the owner of the car have to be on the insurance?
Generally, whoever is the titled owner of a car needs to be the one to insure it. Car insurance companies want to make sure the primary policyholder has what’s called insurable interest in the car they’re insuring.
Can the main driver be different to the policyholder?
Does the policyholder have to be the main driver? Generally, insurance policies are set up with the policyholder also being the main driver of the car. It’s worth noting that it’s illegal for anyone other than the main driver to be placed as the policy holder, this is ‘fronting’.
Who is excluded from your car insurance policy?
What does an excluded driver mean? 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.
Is it cheaper to have an excluded driver on your insurance?
Listing a driver as excluded is usually much cheaper than adding them as a covered driver. Often, the driver is excluded due to being a high-risk driver, and high-risk drivers are expensive to insure. However, having an excluded driver listed on your car insurance policy could cost more than not listing the driver on your policy at all.
Can a car insurance company force me to exclude a driver?
Driver exclusion is naming a driver on your insurance policy that won’t receive coverage if they drive one of your vehicles. Your insurance provider cannot exclude a driver from your policy without your consent. Some states and companies do not allow excluding a driver.
What happens when a driver is excluded from an accident?
However, if he or she got into accident on the way, the insurance company would be within its rights to refuse coverage. Excluded means excluded, period. There are no loopholes. The good news is that an exclusion isn’t forever, but you’ll have to contact your insurance company and ask for it to be removed.