What Is A Rated Operator In Car Insurance? 
If someone drives your car on a regular basis they need to be listed as a rated operator . Also anyone living in your household with an active drivers license needs to be listed on your policy . Some companies will allow driver exclusions but you need to check with your company before allowing someone to drive your car . More and more companies are denying claims because of undisclosed drivers , especially children . You need to disclosed all drivers and make sure the are listed on your policy . 