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Will a named driver making a claim affect my no claims discount?

I have my daughter on my insurance to drive my car. If she had an accident what happens to the no claim bonus? Is it off her own car insurance or mine?

Asked on 20 October 2025 by Gerry Sanderson

Answered by David Ross
If your daughter is a named driver on your insurance policy and has an accident, then any insurance claim will be made on your insurance policy. A claim on a policy will affect the no claims discount regardless of whether the policy holder or named driver or drivers were driving at the time.

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