Our son is 15, and after spending Drivers Ed, was qualified to obtain a permit from the school that would allow him to drive by himself to school.
He did regain licensure studies, but it never led to school mainly because we do not have a vehicle available for use.
Now, our insurance company discovered he has a school permit and said he should be added to our policy that would more than double our premium.
Can they force us to add him, even though it will not actually driving? If it is for us ( we live in Iowa ) I will not add him because we know it will not be using the school permits.
asked Feb 29 '12 at 15:07
No, they can not force you. Some insurance agents will put pressure on you to list him as a driver, because it could increase your premium. However, there is good reason to list him, and that is : If he does get in the vehicle and cause an accident ( driving ), the fact that you did not tell him the list could exclude coverage ( there is an exclusion that removes coverage for persons who have access to your car for regular use and available ).
If you know as a fact that will not lead, then you are not required to enumerate. If you are told that it must be registered, you can ask your agent to write as an excluded driver. You can do specifically excluded from the policy until you are ready to allow him to drive. This will keep your rates where they are.
You should check out other options for insurance. Your agent should not pressure you, but must explain what I just explained. It 's a good idea to get a couple of quotes also listed with your son and not list it all. A quote will take you 5 minutes and you will know if you can either lower your rate or not to add that much ( $ 2 per month ). Try this site for quotes and see what comes back, you might be surprised that we could add you will save money ( multi pilot reduction ).
answered Mar 01 '12 at 03:09