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Do I have to list my son/daughter or spouse on my insurance policy?  Usually the married rate is a discount verses the single rate, so why would you not want to list a spouse.  But that is for a different blog.


We get this question all the time...


Most policies have a permissive use clause that says you can allow someone to drive your vehicle.  However, this is not for members of your household that have access to your keys at anytime.


This is not to be used to not list a driver on your policy just because it makes your premium higher.


Yes, to be covered properly, you must list all drivers that live in your house.  If you do not and they have an accident, the insurance company can decide to not pay the claim due to material misrepresentation.  We actually have a claim going on right now where the insurance company claims they are going to go back and cancel the policy flat on top of not paying the claim.  That seems a little harsh, but...


Be careful when you allow anyone to drive your vehicle, it is going to effect your policy premiums and you could get a non-renewal for allowing unlisted drivers to drive your vehicle.


Every company is different, so make sure you know what your policy allows for permissive use.  I have seen them as restrictive as someone that uses your vehicle for 24 hours consecutive or cumulative and not covered unless listed.  That is not usual, but I have seen it before.


Any questions call the office at 864-964-022 or email me at



Posted 7:02 PM

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