We often receive emails asking specific insurance-related questions. Here are some of the most common questions, with responses provided by the Principal Broker at KTX Insurance Solutions, a licensed insurance representative featured through the Kanetix® quote comparison service.

I don't ever intend to allow a certain person, like my son or daughter, to drive my car but I've been told that they must be listed on my insurance policy. Why?

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 very 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.

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* Kanetix is an online insurance and mortgage shopping service and, more specifically is not an insurance company or brokerage. This response is believed to be accurate at the time of publication, but keep in mind that each person's situation is unique so may not apply in your particular situation. In addition, this information is subject to change and Kanetix is not responsible for any damages caused as a result of the information included in this response. As such, always check with an insurance provider, or the proper authority, for terms and conditions that may apply to you specifically as the information may vary depending on your insurer, geographic location, and particular individual circumstances.
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