Specifying excluded drivers and included drivers on your auto insurance policy can affect your rates and premiums, and an outdated or incorrect list can even lead to cancellation of your policy. Check out our articles to learn more about excluded drivers, understanding your coverage’s limitations, and how to navigate your auto insurance policy to get all the protection your household needs.

Excluded Drivers & Included Drivers: Who Needs to be Listed on your Auto Insurance Policy?

Excluded Drivers & Included Drivers: Who Needs to be Listed on your Auto Insurance Policy?
By Lori Mandell

Who lives in your house?  Family members, extended family members, roommates, a friend or two?  An auto policy, as a rule, provides coverage to the named insured and all other drivers who live in the same household. To enable an insurance company to assess its risk, it will typically request information (on the application) on all the drivers residing in that household, whether they drive your vehicle or not.

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What is an Excluded Driver on an Auto Insurance Policy?

What is an Excluded Driver on an Auto Insurance Policy?
By Helga E. Schauer

An “excluded driver” is a person whose “crashes” are not covered on a personal auto policy for any of the coverages on the policy.  Your insurance carrier must have written a “named driver exclusion”, for a specific individual, for him/her to be considered as “excluded” on your insurance policy.

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