What is an Excluded Driver?

Learn what driver exclusion means for your auto insurance policy

Your twenty-something just moved home and you're requiring him or her to have a separate insurance policy. You've invoked parental privilege and taken away the keys from an irresponsible teen driver. Or, maybe there's someone in your household who shouldn't be driving for other reasons.

To keep a driver off your auto insurance policy, you'll need to add a driver exclusion. Here's what it means, how long it lasts and the risks you face if the excluded driver uses your vehicle.

What is a driver exclusion?

When a policyholder – or an insurance company – takes formal steps to remove a household driver from an auto insurance policy, that's a driver exclusion. For example, an insurance company might want a driver excluded to avoid having to cancel an entire policy if one driver has a bad driving record, a suspended license or too many claims. On the other hand, a policyholder might want to exclude a teen driver if he or she lost driving privileges for not following the rules – or maybe someone in the household received a DUI and no longer has a valid driver's license.

Driver exclusions are not allowed in all states. If driver exclusions are allowed in your state, a driver exclusion form would need to be completed and possibly other supporting documentation would need to be provided.

How long will a driver exclusion last?

Once in place, the driver exclusion remains in place until you ask for it to be removed. To request the withdrawal of an exclusion, contact your insurance company. They will help determine if the exclusion can be removed and, if so, explain the next steps.

What are the risks of having an excluded driver on my policy?

In most states, if an excluded driver in your household uses your car and has an accident, the accident may not be covered under your insurance policy, and vehicle damage and liability coverage may not be provided. If you decide that permanently excluding a driver from your policy is the right option for you, be sure the excluded driver holds his or her own auto insurance policy.

What if the excluded driver took my car without permission?

If the excluded driver used your car without permission, you may have to prove that the driver stole your vehicle for the accident to be covered by your insurance.

Driver exclusion requirements differ by state. Some states require all policyholders with an excluded driver to carry additional coverages that will protect the excluded driver in the event of an accident. If you are trying to identify the best protection for a driver you would like to exclude, we can help assess your risk and determine coverage options.