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 is an excluded driver on an insurance policy. An excluded driver endorsement is an agreement that allows you to exclude specific drivers from being covered under your auto insurance policy. This is typically done by signing a driver exclusion endorsement There are several reasons you might want to exclude a driver. 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.

Insurance companies can put exclusions into your policy but sometimes the policyholder asks for exclusion to lower their insurance premiums. For example an insurance company might want an excluded driver on insurance to avoid having to cancel an entire policy if one driver has a bad driving record a suspended license or too many claims. If that person lives in your home he or she has the ability to drive the vehicle.

Car owners in Ontario have the right to ask for an excluded driver endorsement to exclude someone from being insured under a policy. That increases the amount of risk to the insurance company. The most common reason for an exclusion is risk.

In short an excluded driver is a person specifically listed on your car insurance policy who is not covered when driving your car. Signing the endorsement means you agree not to allow the excluded driver to operate your vehicle. A driver is usually removed from a car insurance policy once they move out of the home.

All licensed drivers in your household should be listed on your policy. An excluded driver is someone you intentionally remove from your auto insurance policy. Once theyre removed from your policy that.

An excluded driver is a designation on an auto insurance policy that a specific person will not be covered by the insurance. 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. A named driver exclusion states that one or more individuals in your household may not operate the insured vehicle.