Question
Does spouse with revoked license need to be added to insurance policy?
My spouse has a revoked license until 2022, does he need to be listed on my insurance policy? My spouse lost is license due to a Dui, and will not be allowed to reapply for it until 2022. Right now, both cars are in my name and I am the only one in the household driving, but I know when I turned 16, my parent's policy rate increased due to an eligible of age driver in the house, not even placing me on the policy at that point. Does he have to be listed as excluded, and if he obtains a work release license does he need to be added? We have coverage on both vehicles, but until he has an official license does he need to be listed on the policy at all?
Answer
Since you are married, he will need to be listed on the policy as an excluded driver, which shouldn't affect your rate much. The reason he needs to be excluded is that he has access to the vehicle. If he is excluded, he will not be covered to drive either vehicle. Once he gets a license and will be driving he will need to be added as a listed driver. When he is listed as a driver, his driving history will affect your rates. Good luck and if you have any questions, don't hesitate to ask.