Car Insurance

[Madgirl2]

If I am a named driver on someone else's car insurance and have an accident (my fault) does this affect my no claims discount on any other policies in my sole name? Would I have to declare this on any new car insurance applications?

[dzug]

NCBs are usually policy specific, so no, your own policies would not be directly affected.

However you have to tell your insurer who might (only might) put your premium up as a result, but still give you the same % NCB on the higher premium.

You have to declare it on any car insurance application, though look at the wording of the question carefully.

[Madgirl2]

Well you know how insurers share databases? If I had not declared an accident when I was a named driver and had a claim on my sole policy, would my insurer find out about the previous claim on the policy on which I am a named driver?

[angel-cake]

You have to declare any accidents (insurance claims) when you apply for insurance if they have been in the last 3 years.

It shouldn't affect your no-claims as you have not claimed from your policy, but your premium will probably rise as they will see you as more of a risk.

[Madgirl2]

Thanks but this has really not answered my question about shared databases. Anyone?

[Gef]

Madgirl please read the previous answers as they have answered your question quite clearly.

[Madgirl2]

Sorry Gef but I dispute this. Let me explain by way of an example:

If I had a sole car insurance policy in my name and had to make a claim, would my insurer HAVE VISIBILITY ON THEIR DATABASE, if the main policyholder on another policy on which I was named, had made a claim because of an accident caused by me and undeclared to my current insurers.

ie. would the claim on the other policy be registered against the main policy holder or the named driver who caused the accident? Do you see what I'm getting at?

[angel-cake]

Not necessarily but you run a big risk of not being covered if you don't declare it and then you are involved in another accident, particularly if the police are involved as they will full access to any insurance claim details.

Basically you are asking if you can get away with fraud and the answer is NO in the long run. It's really not worth it.

[Madgirl2]

Thanks Angelcake. Believe it or not this stemmed from a drunken argument with a taxi driver I know. Thanks to your info, I've won!