09-01-2018, 06:04 PM
Sometimes it can be useful. My son is disabled and doesn't drive. However, insurance companies assume that all adults living in your home are driving your cars unless specifically excluded. It would be very expensive for us to pay insurance for our non-driving son so he is listed as excluded. Similar thing goes for when we have student lodgers renting spare bedrooms.
It's very important that you are absolutely sure that excluded drivers will never drive your car since they will have absolutely zero chance of being insured (obviously also goes for you not driving a car from which you've been excluded).
It's very important that you are absolutely sure that excluded drivers will never drive your car since they will have absolutely zero chance of being insured (obviously also goes for you not driving a car from which you've been excluded).