Kanetix Forum

I'm a mean Dad, I know, but I've been told they must be listed on my car insurance policy. Why?

We found an answer to this question on the Kanetix.ca website. The response itself was provided by a broker featured through the site. We have copied and pasted it here for your easy review:

Actually, it is not just your son or daughter who should be listed on your insurance policy. All licensed drivers in your household, and anyone who frequently uses the vehicle, should be named since all could have access (whether you've given permission or not) to your car.

Depending on your insurance company and the province you live in, some insurers (but few) offer an "excluded driver endorsement". This endorsement lists the drivers in your household to be excluded from your policy's coverage. This endorsement however, is not common and is not provided as a premium-savings option.

Having said this, it is important to note, if your insurance company is willing to include this endorsement on your policy, the drivers named are not insured to drive your car ever at any time. For example, they would not be insured to drive your vehicle in an emergency or even if you've given permission. There are no exceptions.