What is a Named Insured Driver?

Insurance agent discussing named insureds.
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A named insured is mostly the owner of the car insurance policy. The named insured purchases the insurance policy is responsible for making any changes or handling any issues directly with the insurance company on behalf of any drivers covered by the policy, and is, of course, protected by the car insurance policy’s coverage. Part of being a named insured includes the following:

  • Being the owner of the vehicle, however, some standard and non-standard companies do not require the named insured to be titled to the car.
  • Authorizes all changes made to the insurance policy.
  • Verifies claim details and is listed on claim checks.

Can more than one named insured be listed on a policy?

The number of named insureds is typically one or two people per policy. If there are multiple named insureds, it’s usually those who are married to one another, or individuals who live together and are co-titled on all vehicles listed on the policy. If more than two owners of a vehicle exist, the third would be listed as an additional insured.

Who is not a named insured?

All drivers living in the household who are not listed in the title of the car as an owner and are not married to the owner need to be listed as a driver rather than as a named insured. Also, any children in the household generally would not be included in the named insured.

What is the difference between a driver and a named insured?

Since they neither own the vehicle nor pay the insurance premiums, drivers are not able to make significant changes to the car insurance policy without the named insured's approval. Claims will not be paid out in their name, even if they were the driver at the time of the accident. Everything processed by the insurance company on behalf of any drivers will be handled with confirmations from the named insured.

Where is the named insured's location on the declarations page?

The named insured is listed at the top of your declarations page and is registered with their address. The named insured is also listed on all insurance ID cards.

Can I Remove My Spouse as Named Insured?

This can get tricky fast. It is important a driver knows when they are being removed from a policy, and divorce is no exception. Couples in the middle of divorce often want to separate their car insurance immediately, but it’s not often a simple or straightforward process. When speaking with a licensed insurance agent or a representative, the word “divorce” is usually a red flag. Removing a named insured without their knowledge is certainly not allowed. The agent or representative will either contact the person you wish to remove as named insured or request that person contact them before taking any steps to remove them. A new policy needs to be in force, and proof of insurance must be provided to the insurance company, to remove the named insured from the existing policy.

A named insured has all the control of the insurance policy whereas anyone listed as a driver or not listed on the policy does not. The term named insured is frequently used in insurance paperwork. Understanding what a named insured is will help you know your entire insurance policy better. If you are ever unsure about your car insurance policy, contact your insurance agent or customer service representative.