Named driver on my policy in accident; does it effect my own no claims bonus?

blatantrereg

My fiancée is a named driver on my insurance policy. She was in a minor accident and there is a claim. Might that effect my own no claims bonus?

corktina

yup

O.A.P

Yep if the claim is against your policy

blatantrereg

Thanks. Is it always effected, or does it vary between insurers?

CiniO

blatantrereg wrote: »

Thanks. Is it always effected, or does it vary between insurers?

If it was your fiancee who caused the accident, then yes - your NCB will be affected, as well as her driving history.
It doesn't very between insurers.

O.A.P

blatantrereg wrote: »

Thanks. Is it always effected, or does it vary between insurers?

I pay a bit more for the premium and have NCB protection , it wasn't much more and have never put it to the test.
I don't know if all insurance companies offer this or if you need a minimum number of years without a claim.

CiniO

O.A.P wrote: »

I pay a bit more for the premium and have NCB protection , it wasn't much more and have never put it to the test.
I don't know if all insurance companies offer this or if you need a minimum number of years without a claim.

Many insurers offer NCB protection, but prices and rules very greatly.
For me in Allianz it was very cheap. Something like extra tenner.
And it was way worth it when my wife crashed my car, because otherwise my 10 years no claims history would go down the drain.

But I've seen some insurers charging over €100 for NCB protection.

Muddlingthru

If you are putting someone on your car as a named driver, and they previously lost their no claims bonus in their own insurance, is there a loading?

djimi

Muddlingthru wrote: »

If you are putting someone on your car as a named driver, and they previously lost their no claims bonus in their own insurance, is there a loading?

You are asked if the policy holder or any named drivers has had a claim in the past X number of years are you not? Id be susprised if this isnt taken into account.

oldyouth

Your fiancee now has an accident history and you have a claims history, both of which will need to be disclosed to prospective insurers for a number of years

wingnut

CiniO wrote: »

If it was your fiancee who caused the accident, then yes - your NCB will be affected, as well as her driving history.
It doesn't very between insurers.

Not relevant in Ireland, but interestingly there is an on UK TV for a UK insurance company and one of the selling points is that claims on your policy by named drivers don't affect your NCB. Can't recall which company.

Dermot Illogical

In my experience the way it works is like this.
She crashes your car.
Your policy price goes through the roof.
Her own policy, if she has one, remains cheap as chips.
You ask your insurance company if it would be cheaper if you remove the crash-prone one from your policy from now on.
Insurance company replies no. Having crashy on your policy reduces the price.
You give up on the whole idea that there might be logic involved.