Safeco: Household Members and Driver Types

How does Safeco assign household members and driver types?

Household Members

In either program, all residents of driving age in the household, whether they drive or not, must be listed as a driver on the application or be specifically excluded. Children under the age of 18 who have never been licensed are excepted. Information on these household members must be provided by completing the “Number of children in the household” and “Ages of males” and “Ages of females” questions.

• An individual in active military service with the armed forces of the United States of America shall not be considered a resident in the household unless such individual customarily operates the vehicle.
• A youthful operator who is a resident student at a school, college, or educational institution shall be considered a resident of the household. Please see Distant Student Discount for additional information.

Driver Type

We determine driver type eligibility automatically based on a combination of driver type, relationship to insured, and reason for non-rated or excluded.

Rated

All licensed persons of driving age who operate any of the insured vehicles should be listed as rated drivers.

Excluded

Drivers for whom there will be no coverage under the policy should they operate a vehicle.

Listed

Persons of driving age in the household who will not be permitted to drive any of the insured's vehicles (for example, a spouse who has never been licensed to drive, or an eligible age adult resident with his/her own vehicle and insurance.)