Q: Do I have to sign an exclusion waiver for car insurance if I have roommates?
Apr 28, 2021

I have several roommates. Every car insurance company I've talked to wants me to sign a waiver saying that my roommates won't drive my car. If I don't sign it, I'll get rejected. Does this sound right?

Answer provided by
Eric Schad
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

“Many car insurance companies make you sign one of these waivers to absolve themselves of liability if one of your roommates borrows your car and get into an accident. It’s a pretty standard form.

If your roommates want or need to drive your car, you can add them to your car insurance policy. Let them know loud and clear that they’ll also have to pay for it. That’s the only fair way to sort out this situation.”

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