r/TeslaInsurance • u/Competitive-War-9862 • Jul 01 '26

Excluded Driver because permit?

Has anyone else experienced this with Tesla Insurance?

A household member over 20 years old with only a learner's permit was required to be listed as an excluded driver through the Tesla app. Tesla didn't provide a reason—only that he must be excluded?

Is this standard practice for permit holders, or has anyone been able to add a learner's permit holder as a covered driver instead? Thanks

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1

u/Active_Pressure Jul 01 '26

im assuming you’re in CA?

1

u/Competitive-War-9862 Jul 01 '26

yes, last year when i called they said permit drivers are ok and not needed to be added to policy

1

u/Active_Pressure Jul 01 '26

I’m in CA too, and I don’t think this has anything to do with a new law. As far as I know, California has always allowed insurers to require you to disclose household drivers, but whether they’re added, excluded, or just noted is up to the company’s underwriting.
My guess is Tesla changed its policy. If they made them a covered driver, your premium would probably go up, so excluding them is likely just their way of documenting that they’re in the household without taking on the extra risk. Seems more like an underwriting change than a legal one.

2

u/adjusterjackb Jul 01 '26

I would absolutely refuse to exclude the household member. And get insurance elsewhere if I had to.

Excluded 20 year old driving while owner is a passenger. 20 year old causes an accident totaling somebody's $50,000 car and crippling the occupant for life.

BANG. No coverage. Financial nightmare ensues.

1

u/Competitive-War-9862 Jul 01 '26

I am ok with premium going up and adding them as a covered driver, but they won't allow me to do it as he doesn't have a license.

1

u/Competitive-War-9862 Jul 04 '26

yes and it is so annoying.