In most cases you as the driver and owner of the vehicle are the one who names this individual as being excluded from your insurance policy.

What does excluded driver mean on insurance. How to Exclude a Driver from a Car Insurance Policy You will need to contact your insurance company to complete a. That means for example if an excluded driver hits somebody and causes 10000 worth of bodily injuries or property damage you may be on the hook for the full 10000. If he or she drives your car causes an accident and suffers injuries you may be financially responsible for the costs in total.

An excluded driver is someone who you intentionally remove from your Ontario car insurance. You also both acknowledge that if he does drive any vehicle under your policy he is driving uninsured. Simply put an excluded driver is someone who has access to your car but wont be driving it and therefore will not be covered under your car insurance policy.

Everyone excluded on the driver exclusion form will not have coverage under your car insurance policy for any claim resulting from an accident they cause while driving your car. However it can tell you when insurance coverage applies and when it does not. In general a named driver exclusion is an endorsement added to an insurance policy that states a specifically named individual that has access to your insured vehicle will NOT be covered by the insurance provider to drive the insured vehicle.

It is typically used by people who want to exclude a young driver in their household or a driver with. This situation may be necessary if you have a driver who has racked up multiple accidents or tickets. If someone in your household is over the age of 14 and you dont want to pay for coverage for them you can ask the car insurance company to make them an excluded driver to keep your rates low.

In the document which is a standard government form in plain language you promise not to let the excluded driver drive any vehicle under your policy and the excluded driver promises not to drive any vehicle under your policy. If that person uses your car either with or without your permission and has an accident your car insurance wont provide coverage. If an excluded individual drives the car and gets into an accident the insurance company doesnt have to pay for the damage.

Your insurance carrier must have written a named driver exclusion for a specific individual for himher to be considered as excluded on your insurance policy. An excluded driver endorsement is an agreement that allows you to exclude specific drivers from being covered under your auto insurance policy. Their name will show as excluded on your policy and they wont be insured to drive any vehicles on your policy.