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named drivers
Former Member
Posts: 1,876,323 The Mix Honorary Guru
Hi, its that dreaded time of the year when my car insurance is due.
Im thinking of adding my mum as a named driver asthe quotes i have received have lowered by 100 pound by doing this.
The only concern my mum has is that if i have a crash and claim will it effect her no claims discount?
I thought it would only affect mine as the policy holder.
Im thinking of adding my mum as a named driver asthe quotes i have received have lowered by 100 pound by doing this.
The only concern my mum has is that if i have a crash and claim will it effect her no claims discount?
I thought it would only affect mine as the policy holder.
0
Comments
ETA:
I had an accident in a company car, on company insurance, that didn't affect my no claims bonus.
You should be able to ask them and check though, or maybe a better one to ask would be your mum ring up her insurance company and ask.
Yeh i looked into this but i only have 2 years no claims so it wont let me take the option. Apparantly its only for 5 years no claims or more.
If you are the named driver on her policy, and you crash the car, then she would lose her NCB.
NCB protection is rarely worth the extra cost, and is a nice little cash cow that the insurance providers have dreamed up. You're taking out extra insurance in case you claim on your insurance, which is a tad bizarre when you look at it. Espeiclaly when NCB protection weighs in at about £50 a year; about half of what the NCB is worth in the first place.
it depends on the company, some places don't do this