Named drivers and claims

[jimbouk]

I was wondering if someone could clear up a query I have about claims and named drivers. If a named driver has an accident and claims on insurance, who's no-claims bonus does it affect? Would it be the policy holder, or the driver who had the accident?

Me and a friend are looking at cars and she's got 5 years no claims thanks to Directline's named driver deal. She'll probably protect it but if I get run into again in her car and it's a lot of hassle then I'd feel bad. Any general advice on how named driver accidents work would be appreciated. Cheers!

[kalniel]

If you get run into then neither of you would lose your NCB, as it'd be paid for by the liable party.

However I suspect both of you would loose NCB if you were the liable party (don't know for a fact though).

[jimbouk]

Yeah I got run into, and it wouldn't have affected my no-claims if I had any... Still a lot of hassle though, wouldn't like to put someone through it if they were the policy holder and not driving at the time.

Maybe just give directline or someone a ring on Monday and see what they say. Think we might end up with a car each so hopefully someone will give us a reasonable deal so that we can drive each others.

[XA04]

As far as I know it would be whoever holds the policy.. so it would be on your girlfriends policy. If your that worried though just pay a bit extra for protected no claims.

[beanbandit]

If your that worried though just pay a bit extra for protected no claims.

Not always as easy as that though. Most companies have in place certain criteria that you must meet. From years ago i couldn't get my insurance protected with Directline because they needed 5 years ncb, and had to be 25+ I had the ncb, but was 23.

Bet course of action is to phone up the insurance company and ask them directly.