I'm a named driver on my son's car and had a collision - will it affect his renewal if I have protected no claims? | Ask Honest John

I'm a named driver on my son's car and had a collision - will it affect his renewal if I have protected no claims?

I had a bump in my car which was my fault as I reversed into a parked car but fortunately, I have protected NCD. However, my son's cars insurance is shortly due for renewal. I know that my insurance shouldn't be affected much but what is the likely effect on my son's insurance? I assume I have to declare a claim to them.

Asked on 14 March 2019 by lairdy74

Answered by Honest John

If you are a named driver on his policy, he will have to advise that you have made a claim. Alternatively, if HIS car is of a low value, It may be better to take yourself of his policy and see if you have the extension of use to drive other vehicles on your policy third party. This way, it does not affect his policy while still allowing you to drive his car.

Tags: insurance named drivers ncd protected no claims

Similar questions

Is there any point of paying for No Claims protection?

Is there any benefit in paying extra for NCD protection when the insurer says that your insurance premium will rise if you make a claim? Both my wife and I have over 15 years NCD, and if we have a claim...

I hit a cyclist at a junction - if he claims will I lose my No Claims Bonus?

Yesterday I had an accident with a cyclist. I was at fault; I went into the back of him at a junction on a roundabout. I expected him to move as I had seen the traffic was clear to my right, so I moved...

I have protected NCD - should I claim for damage I caused to my car?

After 50 years of accident free motoring,I scraped my car. Now I'm in a dilemma. I have a policy with LV=, which has a No Claims Discount guarantee. Should I pay for the repair or claim on the insurance?...