(She’s been in quite a few fender benders and had a DUI.) Plus, you live close enough to the school that you figure she could easily walk or take the bus to class. Unfortunately, you don’t feel comfortable allowing her to drive your car and you’re worried that adding her to your insurance policy could cause your rate to go up. Your cousin, Alisha, is coming to stay with you during her final year of college.
Therefore, you need to be absolutely certain this person will never be getting behind the wheel of the vehicle in question before you ask your insurance company to exclude them. However, if your state allows you to exclude certain household members from your policy, it’s important for you to understand that no coverage will be provided if they get in an accident while using your vehicle. The option is not available in all states.
What is an excluded driver?Īn excluded driver is someone specifically excluded from coverage under your car insurance policy.
It’s always better to give your insurer all of the information and let them sort out which drivers should be rated when giving you a quote. If someone in your household, who is unknown to your insurance company, gets in an accident, your insurer might rescind or cancel your policy and/or deny your insurance claim because they’ve been kept in the dark. However, if you neglect to list your kids or other household members on your policy, the picture you paint is incomplete. If you give them an accurate look, they can properly calculate risk and quote you the right premium. When an insurer asks you to list household members, they’re trying to get a complete picture of your situation and the extent of the risk they will be insuring. Why do I need to include everyone when listing drivers on auto insurance? If anyone living in your household doesn’t have a driver’s license, doesn’t plan to get one, nor ever intends to drive, they might be categorized as a “non-driver.” This group might include household members with impairments that keep them from driving or elderly individuals who no longer drive and have turned in their license. Your insurer might require proof of insurance to make sure this individual has coverage. If you live with a licensed driver who has their own insurance policy, they could fall into an “other insurance” category. For example, a teenager who will be licensed soon might be known to your insurer, but they won’t affect your rates until they get their license. Listed individuals are simply noted on the policy, but they do not affect the premium. But any other household member who is old enough to qualify for a driving/learner’s permit will be considered a rated driver unless they fall in one of the other categories below. At minimum, the named insured will be a rated driver. Rated drivers are the people on your policy who will affect your insurance premium. Here is an example of how different household members may be categorized on your policy. You can then talk to your agent about your household’s specific driving situation (who is and isn’t driving the vehicles on the policy, who has their own car and coverage, etc.), so they can categorize your household members and give you an accurate quote. So, if you’ve ever wondered do I have to add my child to my car insurance or do I have to put my roommate on my car insurance, you’re now aware they should at least be known to your insurer. Children near driving age, if required by your insurer.Young children (typically under the age of 14) should be exempt, but the other individuals in your household should be disclosed, including: Generally speaking, insurers will ask you to list all household members when applying for a car insurance policy. Car insurance household members: Who needs to be listed on my policy? Keep reading to find out what you need to know. Today, we’re tackling a question as old as insurance: Do all household members need to be on my car insurance policy? Whether you have not-quite-driving-age teens or live with elderly parents who have their own vehicle and policy, we’ve got answers for you.