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"Named Drivers" - a question ... #137493
22/06/2006 18:54
22/06/2006 18:54

A
Anonymous
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Anonymous
Unregistered
A



When someone is a named driver on your policy, I know they are entitled to drive the car with the same level of cover as the policy holder. e.g Fuly comprehensively.

But if that driver has an accident, or claim in your car... who suffers the consequence? i.e is it the policy holder who then loses his no-claims bonus? (Or loses a 'joker' if it's protected)? Meaning the named driver can screw up your otherwise clean insurance record?

I just need to know where I stand, as my partner often drives my car (to pick me up when i'm pissed) but i'm not sure she'll be 'comfortable' with the turbo coupe. This is the first time it's ever occured to me, "what if something goes wrong when a named driver's driving"?!


Re: "Named Drivers" - a question ... #137494
22/06/2006 19:10
22/06/2006 19:10
Joined: Dec 2005
Posts: 7,443
Balmedie, Aberdeen, Scotland
T
Tartandude Offline
Forum is my life
Tartandude  Offline
Forum is my life
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Joined: Dec 2005
Posts: 7,443
Balmedie, Aberdeen, Scotland
My girlfriend is a named driver on my policy insurance. From what I understand if she did have an incident it would affect my no claims as it my policy to begin with not hers (she just happens to be on it).

Thats my understanding of it


Ex 20VT - now something far more sensible'ish... smile
Re: "Named Drivers" - a question ... #137495
22/06/2006 19:21
22/06/2006 19:21
Joined: Dec 2005
Posts: 12,546
Northumberland
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AndrewR Offline
I AM a Coop
AndrewR  Offline
I AM a Coop
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Joined: Dec 2005
Posts: 12,546
Northumberland
If a named driver has an accident then the policy holder has to declare it as a claim, but the named driver also has to declare it as an accident.


Dear monos, a secret truth.
Re: "Named Drivers" - a question ... #137496
22/06/2006 21:06
22/06/2006 21:06
Joined: Dec 2005
Posts: 12,301
Sandhurst
Begbie Offline
ex El Presidente
Begbie  Offline
ex El Presidente
I AM a Coop

Joined: Dec 2005
Posts: 12,301
Sandhurst
Quote:

My girlfriend is a named driver on my policy insurance. From what I understand if she did have an incident it would affect my no claims as it my policy to begin with not hers (she just happens to be on it).

Thats my understanding of it




Spot on, i lost my mum's NCB's when i wrote off my first car. I was a named driver and she was the main policy holder


Originally Posted by Jonny - After being taken out at Spa
Your car is Usain Bolt with wellies

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