Definition of "Named Insured"

Insurance agent discussing named insureds.
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A named insured is essentially the owner of the car insurance policy. The named insured purchases the insurance policy and is protected by its 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 vehicle.
  • Authorizes all changes made to the insurance policy.
  • Verifies claim details and is listed on claim checks.

Who is Not a named insured?

Usually, children in the household would not be a named insured. All drivers living in the household who are not listed on the title of the car as an owner and are not married to the owner, need to be listed as a driver. Drivers are not able to make major 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 will be handled with confirmations from the named insured.

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

The number of named insureds is typically one or two people. Multiple named insureds are usually married 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.

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 listed with your address. The named insured is also listed on insurance ID cards. 

Can I Remove My Spouse as Named Insured?

This can get tricky fast. Couples in the middle of divorce often want to separate their car insurance immediately.

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 not allowed. The agent or representative will either contact the person you wish to remove as named insured or request that person contact them. A new policy needs to be in force in order to remove them from the existing policy. It is important a driver knows when they are being removed from a policy and divorce is no exception.

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 used frequently in insurance paperwork. Understanding what a named insured is will help you understand your entire insurance policy better. If you are ever unsure about your car insurance policy, contact your insurance agent or customer service representative.