Who Should Be Listed on My Policy?

Your auto insurance policy should include all drivers who have regular access to your vehicle. Here's who needs to be listed.

Who Must Be Listed

Required to List:
- You (the primary policyholder)
- Your spouse or domestic partner
- All licensed drivers in your household
- Anyone who regularly uses your vehicle
- Anyone over age 16 with a driver's license in your home

Why It Matters

If an unlisted driver causes an accident in your vehicle, your claim could be:
- Denied entirely
- Subject to coverage limitations
- Considered fraud if the driver was intentionally excluded

Types of Listed Drivers

Rated Drivers
- Included in your premium calculation
- Fully covered when driving your vehicle
- Affect your rate based on their driving history

Excluded Drivers
- Specifically removed from coverage
- NOT covered if they drive your vehicle
- Can lower your premium if they have poor records

Special Situations

Children Away at College
- Typically remain on your policy
- Coverage follows them if they use your car during visits
- May qualify for distant student discount

New Licensed Teen
- Must be added immediately
- Adding as soon as they get a permit helps track their training

Roommates
- May need to be listed if they have access to your vehicle
- Check with us about your specific situation

Occasional Drivers
- Friends or neighbors who rarely drive your car
- Generally covered under permissive use
- Don't need to be listed if truly occasional

How to Add/Remove Drivers

• Call us at 475-619-3790
• Log into your online account at Alset Insurance Customer Portal.