Free fillable 515A EXCLUSION OF NAMED DRIVER AND 2025

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Let them know which person you want to exclude. Complete a driver exclusion form. You may need to provide your insurer with some information about the person you want to exclude. After completing the process with the insurance company, the driver will appear as excluded on your policy.
Quick Answer. An excluded driver is someone from your household you ask your insurance company not to insure. If they get behind the wheel, your insurance company likely wont cover any losses, and you could be on the hook for damages.
What if an excluded driver has their own insurance? Just because a driver is excluded from one policy doesnt mean that they cannot have their own insurance. In fact, if that individual plans to drive and/or has their own vehicle, they will need to purchase auto insurance.
Depending on the state and insurer, you may be able to list someone you live with as an excluded driver, meaning they wont be driving your vehicles. If the excluded driver has a poor driving record, you may be able to reduce your premium.
An excluded driver is someone in your household that has been explicitly removed from your car insurance policy. This can be done either by the policyholder or the insurer. There are a number of reasons a policyholder or insurance company might consider this, but it usually comes down to one simple word: risk.
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Most car insurance companies wont charge a fee to add more drivers to your policy, but each driver that you add to your policy impacts your policy price.

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