Named driver non fault accident NCB
Discussion
I've looked around and can't find a definitive answer (on behalf of a workmate - yes really! 
)
Said mate had a non fault accident in his wifes car - it's written off. I sounds like the insurance have paid put - I'm 99% certain that's on the other drivers policy
Workmate is/was a named driver on her policy - does he need to inform his insurance co for his car either now or at renewal?
I'm sensing 'yes' - but I've read otherwise
TIA for any pointers/help
)Said mate had a non fault accident in his wifes car - it's written off. I sounds like the insurance have paid put - I'm 99% certain that's on the other drivers policy
Workmate is/was a named driver on her policy - does he need to inform his insurance co for his car either now or at renewal?
I'm sensing 'yes' - but I've read otherwise
TIA for any pointers/help
mgv8 said:
Question is "have you been in" so will have to be "yes"
ThanksWhat got me confused (from the confused website)
[b]Does being a named driver affect my own insurance?
It shouldn’t. If you’re involved in an accident that was your fault, you’d usually claim on the policyholder’s policy.
They’d likely see their insurance costs rise as their no-claims bonus (NCB) could be hit.
In other words, if you drive a friend’s car as a named driver and have an accident, the policy is tied to the car, not the person. [/b]
He's going to call his insurance to check anyway
jules_s said:
mgv8 said:
Question is "have you been in" so will have to be "yes"
ThanksWhat got me confused (from the confused website)
[b]Does being a named driver affect my own insurance?
It shouldn’t. If you’re involved in an accident that was your fault, you’d usually claim on the policyholder’s policy.
They’d likely see their insurance costs rise as their no-claims bonus (NCB) could be hit.
In other words, if you drive a friend’s car as a named driver and have an accident, the policy is tied to the car, not the person. [/b]
He's going to call his insurance to check anyway
vonhosen said:
jules_s said:
mgv8 said:
Question is "have you been in" so will have to be "yes"
ThanksWhat got me confused (from the confused website)
[b]Does being a named driver affect my own insurance?
It shouldn’t. If you’re involved in an accident that was your fault, you’d usually claim on the policyholder’s policy.
They’d likely see their insurance costs rise as their no-claims bonus (NCB) could be hit.
In other words, if you drive a friend’s car as a named driver and have an accident, the policy is tied to the car, not the person. [/b]
He's going to call his insurance to check anyway
A bit 'confusing' but understood now
My son had a ding in my car as a named driver, and he was fully at fault. We didn't claim for the damage to my car (he has a higher excess than me as he's classed as young driver, and we could get it fixed for less than his young driver excess), but the other party did. When I was talking to Hastings with whom I had the policy, I asked them which one of us would have to declare the incident at renewal as it wasn't me who was driving but a named driver on my policy. Whether they were right or wrong, the reply from the Hastings call handler was that we both had to declare it, I had to declare because there had been a claim on my policy, and my son had to declare it because he had been involved in an accident as the driver, so he's managed to screw up both of our insurance records...
QuickQuack said:
My son had a ding in my car as a named driver, and he was fully at fault. We didn't claim for the damage to my car (he has a higher excess than me as he's classed as young driver, and we could get it fixed for less than his young driver excess), but the other party did. When I was talking to Hastings with whom I had the policy, I asked them which one of us would have to declare the incident at renewal as it wasn't me who was driving but a named driver on my policy. Whether they were right or wrong, the reply from the Hastings call handler was that we both had to declare it, I had to declare because there had been a claim on my policy, and my son had to declare it because he had been involved in an accident as the driver, so he's managed to screw up both of our insurance records...
Years ago when I sold car insurance, I spoke to someone in the same position as you. As the policyholder's son was no longer being named, it was marked as a claim on a previous policy but it had no bearing on the premium. Different insurers have different approaches but you can ask the call handler to get it confirmed by an underwriter.QuickQuack said:
My son had a ding in my car as a named driver, and he was fully at fault. We didn't claim for the damage to my car (he has a higher excess than me as he's classed as young driver, and we could get it fixed for less than his young driver excess), but the other party did. When I was talking to Hastings with whom I had the policy, I asked them which one of us would have to declare the incident at renewal as it wasn't me who was driving but a named driver on my policy. Whether they were right or wrong, the reply from the Hastings call handler was that we both had to declare it, I had to declare because there had been a claim on my policy, and my son had to declare it because he had been involved in an accident as the driver, so he's managed to screw up both of our insurance records...
You run the risk when you allow others as a named driver on your policy.Spoke to him today - bear in mind he (named driver) was driving and it was non-fault
Either he or his wife rang her insurance co to see what was needed
Feedback was she doesn't need declare the accident on renewal but he does on his own insurance as he was driving at the time
Seems odd but makes sense at the same time
Either he or his wife rang her insurance co to see what was needed
Feedback was she doesn't need declare the accident on renewal but he does on his own insurance as he was driving at the time
Seems odd but makes sense at the same time
jules_s said:
Spoke to him today - bear in mind he (named driver) was driving and it was non-fault
Either he or his wife rang her insurance co to see what was needed
Feedback was she doesn't need declare the accident on renewal but he does on his own insurance as he was driving at the time
Seems odd but makes sense at the same time
YepEither he or his wife rang her insurance co to see what was needed
Feedback was she doesn't need declare the accident on renewal but he does on his own insurance as he was driving at the time
Seems odd but makes sense at the same time
She didn't have an accident & she made no claim on her policy.
He did have an accident (non fault & recovered).
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