An exclusion is any loss or damage that isn’t covered by your insurance policy (read: you won’t be able to file a claim for them).

What does exclusions mean in insurance?

Exclusion — a provision of an insurance policy or bond referring to hazards, perils, circumstances, or property not covered by the policy. Exclusions are usually contained in the coverage form or causes of loss form used to construct the insurance policy.

Why does auto insurance have exclusions?

Exclusions can be associated with a person, property, location, peril or specific situation. These limitations to your coverage are important to know so that you don’t end up in a situation where you find out after an auto accident that you have no coverage — or have voided your policy.

How do I remove an excluded driver?

Call the insurance company. Contact the insurance company and fill out a driver exclusion form. Drivers shouldn’t be removed unless they don’t live with you anymore.

Why would someone be an excluded driver?

An excluded driver is someone that you intentionally ask your auto insurance provider not to cover. Generally, this is someone you have had listed on your policy that has become a problem driver. Once they are excluded from your policy, that person cannot drive your car and be covered by your insurance company.

Can insurer change exclusions?

When the ISO or an insurer revises a form, it may add new exclusions or modify existing ones. A new exclusion generally means a reduction in coverage while an exclusion modification may broaden or restrict coverage.

How do I get someone off my insurance?

You cannot remove your spouse without their consent To remove anyone from your auto insurance, you must first be the primary named insured to make changes to your policy. If you’re not the primary named insured, you cannot remove another driver, but you can remove yourself from the policy and take out your own.

What does it mean to be an excluded driver?

An excluded driver refers to a driver whom you ask your auto insurance company not to cover. Once they’re removed from your policy, that person can’t drive your vehicle and won’t receive coverage from your insurer.

Who is excluded from your car insurance policy?

What does an excluded driver mean? An excluded driver is an individual who is not covered by your car insurance policy in the case of an accident or incident. 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 happens if an excluded driver gets into an accident?

If an excluded driver gets into an accident with your car, your auto insurance company won’t cover the car damage. You could be held liable for any injuries and property damage they cause. It could also lead to the cancellation or non-renewal of your auto insurance policy.

Why is my ex not covered by my car insurance?

A household member moves out and no longer drives your car regularly. A young-adult child leaves the nest. A soon-to-be ex-spouse moves out. You or the insurance company don’t want someone in the household covered under the policy. A young-adult child has a suspended license because of a bad driving record.

Can you exclude someone from driving your car?

If you feel so strongly that a certain person should never drive your car for the myriad of reasons previously mentioned, then most definitely exclude him or her on your auto insurance policy.