Best Answer

In many states, you can sign a "named driver exclusion" which will lower your premiums but which will exempt your son (or whomever) from coverage under your policy. Obviously, once you have signed the named driver exclusion, DO NOT let your son drive your car - - if he has an accident while driving, you are going to have serious problems.

User Avatar

Wiki User

โˆ™ 2015-07-15 21:10:11
This answer is:
User Avatar

Add your answer:

Earn +5 pts
Q: Can you exclude your son from your insurance policy if he does not drive at all even though he has a license?
Write your answer...

Related Questions

Will your full cover insurance work if you have an expired licence?

So long as your Auto Insurance is still in force your policy still covers you. You should renew your license as soon as possible though as the Insurance company does check your drivers license and driving history regularly. Should the company find that you have allowed your license to expire, they may decide to cancel your policy or decline to renew your policy on the assumption that you no are no longer a licensed driver and therefore do not need Auto Insurance.

How do you get auto insurance for the first time when other drivers in your home don't have insurance and you don't want to put them under your policy?

Easy, you just buy an auto insurance policy and exclude the other residents from coverage by use of form 515A. Be aware though that if any of these excluded drivers are involved in an accident while operating your vehicle, The accident and any resulting damage will not be covered under a policy from which they are excluded.

Do you need a license for a 49cc scooter in Connecticut?

car license yes, insurance and registration are not required though i would recommend insurance.

Can you get insurance on a suspended license?

Yes you can buy insurance without a license or with a suspended license. Having auto insurance though should not be confused as providing you with permission to drive. Only your state licensing authority can give you permisssion to drive on public roads. If your license is suspended and depending on the reason for that suspension, you may find it necessary to obtain a more expensive high risk insurance policy. In many cases, depending on your circumstances, the Insurance agent you choose may even be able to advise you on how to regain your driving priviledges.

How do you get car insurance if you have a provisional suspended license?

AnswerIf you have a suspended license you shouldn't be driving and won't need car insurance. On the other hand, if you are attempting to comply with a court order to get car insurance before getting a provisional license, you may have to go to one of the insurance companies that cover special needs. Call around to different insurance companies to see whether they will write a policy that covers what you want. It may cost extra though.OR... just call an insurance company Like NationWide and they will do it in the State of Washington. I just did.

Can you have your own auto insurance policy if you live at home with your parents?

Yes, you can have your own auto insurance policy. If you are a minor though, you will need your legal gaurdian to countersign your application for insurance coverage.

What will happen to your drivers license if you cancel your insurance?

If you are in certain stated your drivers license could be suspended. Most will not though.

Who drives a car?

Only people with a license and car insurance are legal to drive a car, though many people without a license and/or insurance drive cars daily.

Can an 18 year old get car insurance?

If you own a car and have a valid drivers license than you can get insurance at any age, even 18. You will pay quite a bit for insurance if you don't have any older drivers on the policy though so it is usually cheaper to stay on a parents policy until you're married or you have 3 years of driving experience.

How do we increase the amount on our policy for life insurance with your company?

You can opt for another policy as increase in amount of a life insurance policy is not allowed, though there is option for reduction in sum insured in few policies.

Do you need car insurance on a scooter under 49cc in georgia?

If it is allowed for road use at all you must have insurance on it. The policy you would need would be a motorcycle policy though and not car insurance.

Can you claim to an auto insurance if you had a minor car accident but you don't have a driver's license but your car insurance its on your dad's name?

Driving without a license is a crime. If you report that you where driving your dad's care without a license, you could get yourself into trouble, and put your dad's rates though the roof. Do not call the insurance company and tell them you where driving unlicensed. If you have your permit, and where driving legally with a licensed driver, and you had an accident in your dad's car, yes, you can report it and his insurance may cover it if he has that type of policy. If anything, your dad could report that he had the accident, though that would be dishonest.

What is a matured endowment though insurance company?

A matured endowment is a life insurance policy where the current cash value has become equal to the face amount of the policy. The policy is mature. So, the insurance company issues the insured a check for the face amount (death benefit) even though the insured is still alive.

Why Must all drivers in the home be searched to get car insurance?

Insurance is all about risk...or possible risk. We don't pay for insurance definitively knowing that we are going to use it; we paying for the possibility of future need. Insurance companies need to know the household residents/relatives, because even though your household resident/relatives may not have a license, drive a vehicle on your policy, or even if they have insurance for their own vehicle, it's the mere fact of the possible access to or "risK" of providing insurance for a particular vehicle on an auto policy.

What types of vehicles are covered in a typical RV insurance policy?

Any type of motor home or recreational vehicle is covered by a typical RV policy. Even travel trailers are covered by an RV insurance policy. Before you purchase your policy, though, talk to a qualified insurance agent to make sure you are adequately covered.

Can you get a life insurance policy on your son who is in prison?

Yes. Though some regulations may apply.

Can teens get their own insurance policy?

yes but will be very expensive, some companies might not though.

Does homeowners insurance cover ruined gardens?

Not likely. Never heard of someones garden being covered under a homeowners insurance policy but. To be sure though you might want to review your policy schedule of coverages or ask your Insurance Agent.

You have fully comp car insurance can idrive another persons car third party if the car has a current mot and tax but the owners insurance has runout?

Of course you can drive it... you can drive any car you want... I think the question you are asking though is whether or not it will be legal to drive and whether or not an out of force car insurance policy will cover you if you wreck the vehicle even if it has a current tax and license... right? The answer to those questions is NO. If the current owner's coverage is not in force, it is not legal for you to drive the vehicle unless you have a Non-Owner Insurance policy which insures any vehicle you drive. An out of force policy will NOT cover you at all. Whether the vehicle has current license and tax has no bearing at all on whether you meet your States insurance guidelines.

Does life insurance covers suicide in Missouri?

Before 2007, Missouri did not allow life insurance policies to exclude suicide, except that the insurer could avoid payment if it could be proven that the policyholder contemplated suicide when he bought the policy. Some resources will incorrectly state that this is still the law, thereby causing confusion. In about 2007, the law was changed and now insurance companies may exclude suicide for one year after the policy is purchased (in Missouri). After one year insurance companies must pay for death by suicide, even though the policy may recite a longer exclusion period. Note that an insurance company may initially deny your claim after the one year period hoping that you won't know the law and will go away. If the insured commits suicide within the one year exclusion period, the insurance company must return the premium with interest. The Missouri law is located at the link below.

How do you beat a no insurance ticket in new york?

If you are talking about no insurance card but you have a paid insurance policy, go to court and talk to the prosecutor and he/she will most likely drop the charge or just make you pay court costs. If you were driving without an insurance policy, you face the loss of your license. There is no easy answer for this because you are probably guilty of the crime so there is no way to "BEAT" this ticket. You are going to want to talk to some lawyers and sign a retainer with the one you feel will do the best job. Chances are that this lawyer with the fines will end up costing you more than your insurance premium and still will result in some suspension of your license though.

How do you find the homeowners insurance carrier for someone whose animal injured you?

The easiest way is just to ask them. Bear in mind though that most homeowners insurance policies now exclude coverage for damage and injuries from pets. Fortunately though our mandated ACA compliant health care policy will cover the associated cost and it has no limit and it does not matter how or where the injury occurred. Some homeowners purchase property coverage but do not purchase liability coverage, So there may or may not be coverage for your injury under the homeowners insurance policy. You will have to start a lawsuit and when you do (providing you were bitten by their animal or injured some other way) the lawyer or judge will find out the insurance information during something called disclosure and discovery. In the discovery process your attorney will learn if they have a homeowners insurance policy, if that policy has liability coverage and if the policy provides liability coverage for owned pets. If they do have and the policy has liability coverage and pet injuries are covered under the policy then you may receive a judgement. It would be much easier to just ask them first rather than have to sue first. Also bear in mind that an ACA compliant health insurance policy already covers such injuries.

Ex-girlfriend has a life insurance policy on you What happens to the policy now that you aren't together anymore?

If the ex-girlfriend is the owner of the policy (she pays the premiums) then she is the only one who can change the beneficiary. However, most insurance companies do not allow someone to take out a life insurance policy on someone they do not have a reasonable connection to. One cannot take a policy out on their teacher, best friend, third cousin by marriage twice removed, etc. Life insurance policies generally are only approved for spouses, children, and key employees in a business. However, insurance is controlled by the Department of Insurance in each state, and thus are governed by their own regulations. Since she was able to get the life insurance policy in the first place, she will probably be able to collect on that policy in the event of your death. Like I said though, it is different in every state, and my license is only in Ohio, so you would have to contact that particular insurance company to find out their laws. (as you are not the owner of the policy, it may be difficult for you to be get any personal information about the insurance covering you, but you may be able to get general questions about that state's laws answered.)

What is a dual policy in insurance?

A Dual life insurance policy covers two people, though independently. It is effectively like having two single policies where cover will pay benefits on the death of both insured.

How do you get insurance that is required to obtain a drivers license if you do not own a vehicle?

* There should be some provision for you to sign an affidavit stating that you are not required to have insurance because you don't own a vehicle. == == * You may be required to get liability coverage only even though you do not have a car. That way you are insured for the damage you may cause another even if you are driving someone else's car. * Some companies may require you to have a "non-owners" policy. This means that you do not personally own a vehicle or have access to one at your residence. However, in some states you have to have insurance prior to getting your license. The "non owner" policy can be converted to an actual auto policy if you purchase or have access to a vehicle in the future.