An excluded driver form is an agreement that the insurance company is not providing coverage for a member of your household on your policy. If one of your kids, or your spouse, or somebody in your house has a bad record, you can still get access to the least expensive insurance rates by excluding them off your policy. Every driver in your household has to be listed on the policy, so the insurance companies generally charge for the highest rated driver or the highest cost—or highest risk. If one driver has five tickets, and another driver has no tickets and a great record, you can’t just tell the insurance company that only the person with the clean record is going to drive a car. The person with five tickets could also drive the car, but the contractual way to get around that is you sign an excluded driver form and that tells the insurance company that only the person with no tickets and a great record is covered. An excluded driver form is a great way for you to stay in the standard market even if one of your household members is in the high-risk market.