Named Driver Crash

tiergat

I'm sorry if this question has been asked, but i can't seem to find a definitive answer.

If a son was in a crash (his fault), he being a named driver on his Mothers Insurance, what happens exactly? Is the Mothers No Claims Bonus affected? Will her insurance go up? Or will it be the sons insurance goes up?

ironclaw

tiergat wrote: »

I'm sorry if this question has been asked, but i can't seem to find a definitive answer.

If a son was in a crash (his fault), he being a named driver on his Mothers Insurance, what happens exactly? Is the Mothers No Claims Bonus affected? Will her insurance go up? Or will it be the sons insurance goes up?

Your insurance premium will go up if he admits liability. Any claim on your insurance will affect your premium (Obviously dependent on the claim)

I can't say about the no claims but I'm assuming the mother isn't affected as he is a named driver. However he will have a mark against him in that regard on the records.

tiergat

ironclaw wrote: »

Your insurance premium will go up if he admits liability. Any claim on your insurance will affect your premium (Obviously dependent on the claim)

I can't say about the no claims but I'm assuming the mother isn't affected as he is a named driver. However he will have a mark against him in that regard on the records.

Lets say there was drink involved and he is completely at fault, what then? Whatever about the son (dug his own grave) I more concerned about the Mothers insurance. Let's say he is now off the policy. What options is she left with?

ironclaw

tiergat wrote: »

Lets say there was drink involved and he is completely at fault, what then? Whatever about the son (dug his own grave) I more concerned about the Mothers insurance. Let's say he is now off the policy. What options is she left with?

I'll be honest and say, I don't know. I would speculate that there would be some loading on the insurance as a claim was processed on that account. Saying that, she wasn't involved and as an individual was not involved, so I don't see grounds for a loading.

Atlantic Dawn

Your mother will lose her no claims bonus, in addition if there was drink involved it's possible the insurer will only pay the injured parties damage and will not pay any claim on your mothers car. The policy is your mothers not your brothers so all no claims bonus is lost on hers and he will whenever he next decides he wants to be insured declare the claim.

Nok1a

ironclaw wrote: »

I'll be honest and say, I don't know. I would speculate that there would be some loading on the insurance as a claim was processed on that account. Saying that, she wasn't involved and as an individual was not involved, so I don't see grounds for a loading.

Why not leave it at that then, whats the point offering your opinion, what use is that to the OP? the OP wants facts

Bohrio

Atlantic Dawn wrote: »

Your mother will lose her no claims bonus, in addition if there was drink involved it's possible the insurer will only pay the injured parties damage and will not pay any claim on your mothers car. The policy is your mothers not your brothers so all no claims bonus is lost on hers and he will whenever he next decides he wants to be insured declare the claim.

Yeap... Thats what happened to me when I was driving my gfs car and runned into black ice. We crashed and although it was me who was driving they took the no claim bonus (partially as she had step back) of her account, went from 5 years down to 3 years.

Nothing happened to me, I kept my ncb

johnayo

Bohrio wrote: »

Yeap... Thats what happened to me when I was driving my gfs car and runned into black ice. We crashed and although it was me who was driving they took the no claim bonus (partially as she had step back) of her account, went from 5 years down to 3 years.

Nothing happened to me, I kept my ncb

Just as a matter of interest, did you notify your insurance company of the claim?

Capt'n Midnight

I heard of a case a long time ago where the son wrote off a car, but since it was third party only they claimed that the son had taken the car without permission in effect that the son had "stolen" the car. And then tried to claim for it being stolen.

Urban myth / no idea what happened in the end.


Did the son have permission to take the car ?

What difference would it make ?


A criminal record is not a good thing though and just isn't worth it if the son will ever need to make an honest living, Might be OK for self employed/family firm or someone who intends a career in politics