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Texas insurance glossary

Omitted driver

An omitted driver is a household member deliberately removed from a policy by endorsement, so that nothing the policy covers applies while that person is driving.

Sources checked

Also called a named driver exclusion. The insurer agrees to cover the household on condition that one person — usually the one with the record — is not covered at all, and the premium reflects their absence.

It is a real saving and a real risk, and the risk is concentrated in a single moment: if the excluded person drives the car and causes a crash, there is no liability coverage for it. Not a reduced limit, not a larger deductible — none.

The exclusion is a signed endorsement, not a note on a quote, and it stays until it is removed. Households where the excluded person still has keys should not be using one.

Sources: TDI — home insurance glossary; TDI — automobile insurance guide (CB020). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Named driver policy A named driver policy is an auto policy that does not provide coverage for a person residing in the insured’s household unless that person is named on the policy.
  • Exclusion An exclusion is a clause naming something the policy does not cover, and it operates by carving that thing back out of coverage the policy has already granted.
  • Endorsement An endorsement is a document that changes a policy — adding, removing, restricting or clarifying coverage — and becomes part of the contract once it is issued.
  • Permissive use Permissive use is coverage that follows a vehicle to a driver who is not on the policy but had the owner's permission to be behind the wheel.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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