Main policy holder disqualified - are named drivers now uninsured?

[davidhislop]

I'd love it if you could tell me the answer to this one as our local family from hell need 'shopping' if it is the case.

Basically the family bought daughter a car. Father drives a company car insured with the company, so he can use his previously built up no-claims bonus on young daughter's car with Direct Line (to enable her to build up her own no claims bonus, cheaply). Daughter is a named driver on this policy for her car (strictly speaking as daughter is 'main driver' anyway, she should not be just a named driver but the policy holder?).

Anyway, father gets disqualified for three years for drink driving. Does this now invalidate the whole policy, meaning that daughter (as a named driver, father as policyholder) is now not insured to drive her car?

Thanks! David

[sigma]

I doubt it as it makes no difference whether the policy holder drives or not, banned or otherwise

[NORMANTHEDOG]

i think it might make a difference,i would check with the insurer,someone will come on and give you a definate answer soon.

[Gef]

Surely any policyholder must inform their insurance company of any change in circumstances (eg, points, ban etc) immediately.

[BenDToy]

Gef is absolutely correct - if the policyholder (or even a named driver) gets convicted of any offence then they must inform the insurer. You will be pleased to hear that 1) if the car was in an accident, they would be uninsured and 2)when they do tell them, the price of the insurance will go through the roof. I can't think who you would shop them to though. Good luck with it.

[happyskyper]

I think regardless of how hellish they have been, shopping them would be a little chilldish on your part.

If they caused you serious grief then deal with it like a man and take one on the chin if it means that you get into that sort of situation after you approach this confrotation head on.

If it is just petty stuff then keep yourself to yourself and let them be or you might be unwittingly inviting one on the chin yourself when there otherwise would be none.

Seriously, are you gona sleep well at night by behaving like a mouse amongst men?

Think about it

Happy

[happyskyper]

Some self defense classes might do you a world of good david!?

They are really good for boosting self esteem and self awareness!

Happy

[davidhislop]

Thanks very much for the answers guys, very helpful!

Oh and 'happyskyper', are you the sort of person who turns a blind eye to people who commit benefit fraud and just let it get swept under the rug?!
I like them no more than unisured drivers, so if these people are driving uninsured (yes the convicted person IS still driving) then I do think it's worthwhile reporting them. Think about it..

[Gef]

Cheers david. happyskyper is obviously not concerned about being hit by an uninsured driver even though they are responsible for pushing up our premiums every year.

If you are sure of your facts I would contact the local police particularly if a banned driver is still driving.