What Is a Named Driver Exclusion?

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A named excluded driver is an identified driver who is not covered under a particular car insurance policy. Let’s say you want to drive your brother’s car, but find out you’re an excluded driver. Your feelings might be a little hurt, but you better be careful about getting behind the wheel, as driving without insurance is illegal in most states.
Turns out, a named driver exclusion might actually save you money on your car insurance. So the cheap car insurance comparison app Jerry has compiled everything you need to know about named driver exclusions.
Jerry is also here to help you get insured—or find a new policy with lower rates. Find out you’re a named excluded driver? Jerry can help you get your own car insurance policy. Wanting to add a named driver exclusion to your policy? Jerry can help you there, too.
Here are all the details you need to know about named driver exclusions.
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What is a named driver exclusion?

Named excluded drivers on an auto insurance policy are not covered by the policy.

How does a named driver exclusion really work?

For the most part, car insurance policies typically adhere to what we call "permissive use."
Permissive use looks like this: If Ronda has insurance for her SUV and she lets her friend Jimmy borrow the SUV for a backcountry road trip, Jimmy will be covered under her policy. Insurance follows the car, not the driver.
With driver exclusions, however, your policy can name specific people that won’t be covered given the principle of permissive use.
So, if Ronda lends her SUV to Mike—but Mike is a named excluded driver on her policy—Mike will be considered an uninsured driver. If Mike gets into a fender-bender, he and Ronda will be liable for all the damages—insurance won’t cover a dime.

Why would you add an excluded driver to your policy?

Your provider might ask you to name a certain individual as an excluded driver because they aren’t interested in covering high-risk drivers. Let’s say you’re a parent with a teen who has totaled 2 vehicles (we really hope you don’t ever have to deal with that). Your teen will almost certainly be considered a high-risk driver.
If you’re named as an excluded driver on an insurance policy for a particular vehicle, you cannot legally drive that vehicle unless you have your own additional policy and coverage.
And, if you have named excluded drivers on your policy (we’re looking at you, Ronda), it’s your responsibility to make sure that those named drivers don’t drive your car. Okay—those are all the basics.
If you are a named excluded driver on an auto insurance policy, you are effectively uninsured when you drive the vehicle attached to that policy. This is where you have to be careful—driving without insurance is both financially risky and often illegal.
Key Takeaway A named driver exclusion excludes a specific driver from your insurance policy meaning your provider is not liable to cover them if they drive your car. When driving your vehicle, the named excluded driver is effectively an uninsured driver.

Excluding a driver can save you money

Now, an insurance provider can’t technically force you to put excluded drivers on your policy—but they may strongly encourage it.
It might actually save you money to have named excluded drivers on your policy. If you’re a parent with a high-risk teen driver, your provider will probably assume your teen will be operating your car sometimes.
If you don’t exclude them from the policy, you’ll face higher insurance rates because you’re essentially insuring a high-risk driver.
But, if you exclude your high-risk teen driver from your policy, your provider may likely lower your premiums since they’ll no longer be liable to cover the high-risk driver.
Key Takeaway You could save money on your insurance policy by adding a named driver exclusion.
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No excuses—so read your policy carefully

As with any car insurance policy, read the fine print of your policy carefully. You may simply "forget" that a certain driver is excluded from your policy, but that won’t hold up as an argument for your provider.
If it’s in writing, it’s a done deal—so make sure you aren’t letting any excluded drivers on your policy use your car.

What do I do if I’m an excluded driver?

If you’re going to be driving—at all—purchase your own auto insurance immediately. Driving without car insurance is illegal in most states and can have serious consequences.
If you’re an excluded driver because you are a high-risk driver—which is the likeliest reason for being an excluded driver— you’ll need to find an insurance provider that is willing to insure high-risk drivers.
The insurance comparison app Jerry can help you find a provider that fits your needs—with policies at the lowest rates possible.
Jerry does all the comparison shopping for you, so you can spend your sweet time doing better things, like taking a defensive driving course to potentially lower your insurance premiums.
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What does driver exclusion mean?

When an insurance policy names an excluded driver, your provider is exempt from providing coverage for that excluded driver.
Basically, your insurance provider is entering into a contract that says your policy does not cover a specific person or persons. It may sound rude, but it makes a lot of sense when the person in question is a high-risk driver.
If you’re an excluded driver on an insurance policy, don’t drive the vehicle attached to the policy unless you have your own independent, additional insurance coverage.
If you’re a high-risk driver looking for car insurance, look no further than Jerry. Jerry is an insurance comparison and broker app and will help you quickly and easily find the lowest rates for the coverage you need.

How do I remove excluded drivers?

To remove excluded drivers from your insurance policy, you’ll need to talk with your insurance agent. You might be looking at higher rates when you take an excluded driver off your policy.
If you’re worried about higher insurance rates, check out the car insurance comparison app Jerry. You can see all your best policy options in one place and easily pick the policy with the lowest rates—and Jerry will do all the phone calls and paperwork for you.
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