What is a named driver exclusion?

A named driver exclusion is an endorsement form that excludes a driver from being covered under the auto policy.

Drivers are excluded for a variety of reason that include young drivers or drivers with bad driving records.

When excluded drivers are driving a vehicle and are involved in an at fault accident, the claim will be denied.

All Household members, licensed or not need to be added to or excluded from your auto policy.

Excluding high risk drivers like a teenage driver or a spouse with tickets or accidents can lower your premium.

In a claim an excluded driver is never covered, however they can be added to the policy by endorsement at anytime depending on their driving record.

It may or may not increase the premium.

If a person will be driving the vehicle they should never be excluded.