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Thread: Named drivers and claims

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    Named drivers and claims

    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!

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    Re: Named drivers and claims

    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).

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    Re: Named drivers and claims

    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.

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    Re: Named drivers and claims

    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.

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    Re: Named drivers and claims

    Quote Originally Posted by XA04 View Post
    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.

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