Your car insurance policy lists everyone under your roof that’s of age for a driver’s license - at least, that’s what happens in most cases. It’s possible that one or more of those people listed on your car insurance will never drive your car. It could be due to a debilitating injury or simply because they don’t drive and don’t plan on ever getting a driver’s license. And because they are listed on your car insurance policy, it could impact your premiums. Excluding a listed driver from your policy could be a way to trim down your costs.
Excluding a driver from your car insurance policy may be possible in some situations, while in other circumstances, it’s not an option. In this article, Part 1 helps figure out if it’s possible to exclude a driver from your car insurance, Part 2 tells you how to exclude drivers, and Part 3 explains what happens if an excluded driver damages your car.
Part 1 of 3: Determine if it’s possible to exclude a driver from your car insurance
Most times, everyone eligible to obtain a driver’s license is listed on your car insurance policy. That means everyone 16 years of age and older. There may be people you wish to exclude from your policy that live in your house such as:
- Elderly family members who are no longer able to drive
- Disabled family members
- Habitual offenders behind the wheel
- Children who should have moved out already
Unfortunately, not just anyone can be excluded from your car insurance policy. You’ll need to check with your insurer before you can proceed to exclude a driver that lives with you. For example, it may not be possible to exclude someone who has:
- A serious driving conviction like a DWI/DUI
- Previously held a learner’s permit but failed the test for a full license
- Been cited for driving without a license, or someone with a suspended or revoked license
Some policies do not allow for exclusions at all. Anyone living at the same address must be listed on your car insurance policy. Call your insurance provider or log into your online account, if available, to determine if driver exclusions are permitted.
Part 2 of 3: Exclude the driver from your car insurance
Excluding a driver from your car insurance may be as simple as modifying your policy online. If that’s all that’s required, it can be a swift and painless experience. However, in some cases, you may need to prove that a driver will never be behind the wheel of your car. That can be a difficult task.
You may need to submit documentation to exclude a driver from your car insurance policy. For a disabled person, proof of their disability is likely all that’s necessary. For able-bodied adults, it could be more of a challenge.
For adults or children of age who live at the same address, you may need to show that they will not be driving your car at all. You may require to send the insurer a signed affidavit or alternatively prove that the driver will never be behind the wheel of your car.
Part 3 of 3: What happens when an excluded driver has a collision while driving your car?
Your car insurance policy will have clear information regarding driver exclusions. You should expect that an excluded driver who has a collision while driving your car will not be covered by your insurance policy. Essentially, your car is uninsured while under control of the excluded driver.
It’s important to note that someone who could potentially - even in an emergency - be driving your car should be listed on your policy. However, if there’s no chance of that happening, you could save money by adding a driver exclusion.