Opinion ID: 1959437
Heading Depth: 1
Heading Rank: 5

Heading: Designated Driver Exclusion

Text: Delaware law provides that an insurer may cancel or not renew a policy for various reasons, including the fact that an operator in the household has had his or her license revoked within the 36-month period prior to the notice of cancellation. [5] When this provision applies to less than all of the insureds in the household, the insurer must offer to continue the insurance of the named insured and to exclude coverage for the designated offending driver. [6] The insurer may not calculate any premiums charged thereafter based to any extent on the driving record of the excluded driver. [7] Section 3909(c) provides: With respect to any person excluded from coverage under this section, the policy may provide that the insurer shall not be liable for damages, losses or claims arising out of this operation of the insured vehicle, whether or not such operation or use was with the express or implied permission of a person insured under the policy. [8] Kivlin does not dispute that Nationwide properly excluded Jason as a designated driver pursuant to the requirements of 18 Del. C. § 3909.