If someone is listed as an excluded driver on your policy, then they’re expressly excluded from your car insurance. This means that if that person drives your car, your insurance will not cover any damage that takes place.

Can a car be insured but not registered?

You can get insurance coverage on a car that’s not registered to you. But it’s not all that common. The car must be registered in the owner’s name or the person who holds the title, and the owner’s name must also be included on the car insurance policy. Or, you can get non-owners insurance.

Who is a named insured driver on a car insurance policy?

If you’re ever unsure about your car insurance policy, contact your insurance agent or customer service representative. Named insured drivers typically are the owners of an insurance policy on a car they own or lease. Policies can have more than one named insured driver—a spouse, for example.

When does a driver have to be listed on an auto insurance policy?

However, the rule-of-thumb is if the person drives your car regularly or lives in your household, they should be named as a driver on your auto insurance policy. And, if you’re ever in doubt, give your auto insurance provider a call to be sure.

When is an additional driver covered under an insurance policy?

Additional drivers are only covered when driving the vehicle in the policy. For example, if an additional insured driver were to be hit by another car while walking to the vehicle, their injuries would not be covered under the insurance policy. However, if that happened to the named insured driver, then they’d be covered. 4 

What happens if you put a named driver exclusion on your car insurance?

When you put a named-driver exclusion on your policy it meant that the person listed is not covered under any circumstances and shouldn’t be driving your car. So if that person gets behind the wheel of your car, even in an emergency, and causes an accident, you and the driver will be the ones to pay for any resulting injuries or property damage.