What is an Excluded Driver?

Excluded driver Malhotra and Assoc insurance
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If you’re looking for a way to save money on your auto insurance policy, then you might want to consider excluding drivers from your coverage. Excluded drivers are those who have been excluded from the original policy agreement and typically do not drive the vehicle at all. For example, if someone is borrowing your car while they are in town but does not live with you or use it as their primary mode of transportation, then they would be considered an excluded driver. Let our team of agents in Ohio, Indiana, West Virginia, and Maryland help you work through any questions you might have about excluding a driver from your insurance policy. 

Why Should You Exclude a Driver from Your Policy?

Excluding a driver from your policy can save you money because the excluded driver’s rates are no longer being included in the insurance package. For example, if you have an auto insurance plan with two drivers and one of them is excluded, then that person’s rate will not be added to the other person’s premium for the duration of this agreement. In addition, drivers who are excluded from a policy may have their vehicle insured for free with the driver’s personal auto insurance provider.

Excluding drivers from your coverage is not an intuitive process and may require contacting insurance providers for specific instructions. However, it’s worth the time spent when you consider how much money can be saved by excluding one or two drivers who are borrowing cars but don’t use them as their primary vehicle.

What Could Happen if an Excluded Driver Uses My Car?

If an excluded driver were to use your car, the only coverage that would apply would be their personal auto insurance policy. Your rates will not change and there is no need for you to contact your own insurer.

Should I Exclude My Child Who is Attending College Away from Home?

It’s important to keep in mind that if you exclude a driver who is living away from home (such as your child attending college) and they need reliable transportation, then there are options available for them. For example, some providers offer an ‘in-home’ policy where the student can still be covered while residing at their dorm or apartment off-campus.

Can I Be Forced to Exclude a Driver? 

Each insurance provider has specific guidelines about excluding drivers from coverage. Some providers may require you to exclude a driver if they meet certain criteria (such as being convicted of DUI). If you have any questions about the process, then contact us for more information.

How do I Exclude a Driver from My Insurance Policy?

Contact your insurance provider and let them know that you would like to exclude a driver from the coverage. If you need help, then they should be able to walk you through the process of excluding this person.

If you are looking for ways to save money on your car insurance policy, then consider excluding one or two drivers who do not use your vehicle as their primary form of transportation. By doing so, these individuals will no longer receive rates from being added with other drivers in the package agreement and may also have their own vehicle insured with another company’s auto insurance program (if they meet certain criteria such as holding a clean driving record). It can be difficult to specify which drivers should be excluded because each individual has unique needs. If you have any questions about the process, then our agents in  Ohio, Indiana, West Virginia, and Maryland can work with you to guide you through this process. 

Disclaimer: This blog post is meant for general informational purposes only and may not reflect your specific policy.

About the Author: Alekha is an expert in the insurance space and has been with the Malhotra & Assoc. Insurance team since its inception. Alekha provides expertly written and researched content for the Malhotra & Assoc. Insurance agency.

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