Named drivers

[kerry-w]

Think this is a pretty straight forward question.

Im looking at adding 1/2 named drivers onto my policy, now I just want to know:

1. If the car was crashed by me or another named driver would it affect the named drivers no claims or just my own. Im sure its just my own but id like to check

2. Do they have to be living at the same address and be related to you? I added one of my mates on as provisional an he took it down by £250 so id like to add him onto there really.

Would this be perfectly fine with the insurance companys or is it classed as fraud?

Thanks

 

[Beef-Mc]

1. It just effects the persons that crashed as far as I understand.

2. Don't have to be living at the same address or related.

 

[kerry-w]

1. It just effects the persons that crashed as far as I understand.

2. Don't have to be living at the same address or related.

As I thought, all is good then

 

[DrR]

When i was a named driver on my dads policy and crashed, the claim came off him not me.

i didn't have to declair the the claim at all when i took out my own policy.

 

[Ex-User (54566)]

I'm fairly certain the main driver loses their no claims and not the named driver, as not many insurance companies offer named driver no claims anyway.

 

[Dave..]

Yep the person whose policy it is has to make the claim. Regardless of whether or not the main driver was driving, it is claimed through their insurance policy.

You best trust the people you put on as named drivers

 

[st3ve]

I used to be a named driver on the old dears policy and when I had a wee crash she lost her no claims and I never got one for that year.

That was with Directline who do give named driver NCD.

 

[kerry-w]

All is good then

Yeah I trust who's going on there, they were just wondering if I crashed would it affect them as a named driver, as if it did then they wouldn't want to go on there.

Thanks