Insurance quote question - accident declaration

[liller]

Hi

If somebody named on your policy crashes the car would that accident be held against you as the policy holder or against the person who is named on the policy?

So, if you are getting quotes using a comparison site and it asks 'have you had made any claims etc' would I put 'yes' as it was my policy or would you put 'no' then put 'yes' when it asks the same question about any named drivers.

Would it even make a difference to the price?

Hope this makes sense!

[kambites]

I'm pretty sure that all the sites I've used ask "have you or any named driver...".

Answer literally to whatever question they ask. There's nothing else you can do, really.

[boweslion]

liller said:

Hi

If somebody named on your policy crashes the car would that accident be held against you as the policy holder or against the person who is named on the policy?

So, if you are getting quotes using a comparison site and it asks 'have you had made any claims etc' would I put 'yes' as it was my policy or would you put 'no' then put 'yes' when it asks the same question about any named drivers.

Would it even make a difference to the price?

Hope this makes sense!

It depends on the site, but in my experience they will normally ask if you have had any claims, which you could answer no to. Then, when adding the named drivers it will ask for each of them if they have had any claims, and you could add them here. Moneysupermarket.com for example. Other sites will ask if you or any named drivers have had claims in one question, here you would answer yes, and then there will usually be a description of claim option for 'named driver claim'.

Everything on the quote can make a difference to the price, it depends on each company what sort of impact it has.

[liller]

boweslion said:

It depends on the site, but in my experience they will normally ask if you have had any claims, which you could answer no to. Then, when adding the named drivers it will ask for each of them if they have had any claims, and you could add them here. Moneysupermarket.com for example. Other sites will ask if you or any named drivers have had claims in one question, here you would answer yes, and then there will usually be a description of claim option for 'named driver claim'.

Everything on the quote can make a difference to the price, it depends on each company what sort of impact it has.

Thank you, renewal time is coming up and I know i'm going to be shafted as my girlfriend *bumped* another car whilst driving my car. In the eyes of the insurer will I get punished as she was named on my insurance? I guess the answer will be 'yes'

[Magic919]

You have made a claim. However, you might consider dropping her off the policy and asking for quotes.

[kambites]

liller said:

Thank you, renewal time is coming up and I know i'm going to be shafted as my girlfriend *bumped* another car whilst driving my car. In the eyes of the insurer will I get punished as she was named on my insurance? I guess the answer will be 'yes'

If a claim was made from your insurance, you definitely will get a premium increase.

If not, then you might be able to keep it down by dropping her off your insurance if that's viable.

[liller]

kambites said:

If a claim was made from your insurance, you definitely will get a premium increase.

If not, then you might be able to keep it down by dropping her off your insurance if that's viable.

Yeah, I'm expecting an increase, was just curious about how you declare these things when using the price comparison websites.

I *could* ditch her from the insurance but that will go down like a $hit sandwich!

[xRIEx]

In terms of an accident occurring while they are driving on your policy, then you will lose (some of) your NCB.

If that person no longer is a named driver (e.g. taken off at renewal) you don't need to declare their accident.

If a person is to be a named driver and they had an accident in the past (while driving on their own or another's policy) then you have to declare that when getting a quote or adding them to your policy.