If a person in the household had a bad driving record, would it affect the purchase of car insurance?

If a person in the household had a bad driving record, it would definitely affect the purchase of car insurance. Several insurance companies would not issue car insurance to a person if the spouse or other relatives in the house had a bad driving record. For example, if the teenage son of the person who is purchasing car insurance had a bad driving record, the rating of the entire household would dip sharply, because the son would also be an ‘insured’ person in the insurance policy. The insurers would not issue the car insurance unless all the members in the household had adequate driving record rating. However, certain insurance companies might issue the policy after excluding the particular person with poor driving record from the coverage of the car insurance.