I would like to be on someones cover as second driver in order to get a cheap qoute, but the someone is worried that if I get into a collision (new driver) they NCP will be cancelled and their future qoutes will sky rocket. Is this true?
2007-08-19 04:41:35 · 11 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Yes, if you make a claim, they will lose there NCB as its there policy.
Better to bite the bullet and get your own policy if possible!
2007-08-19 04:48:01 · answer #1 · answered by thebigkahuna 4 · 1⤊ 0⤋
The insurance policy that cover's the vehicle will have its no claims bonus reduced no matter who the driver was of the vehicle. If your friend has maximum bonus then they may consider 'protecting it' for a small additional premium - that should soothe their worries.
The first part of your question sounds suspiciously like fronting. If you want to drive your friend's car then fair enough. If you want your friend to add your car onto their policy then you are committing a criminal offence. In such a circumstance the friend may not lose their no claims bonus but you would have to pay the full cost of the claim back to the insurance compant - is it worth it?
2007-08-21 08:34:42 · answer #2 · answered by welcome news 6 · 0⤊ 0⤋
Directline offers named drivers to build their own NCB, so maybe the named driver's NCB will only be affected if an accident, I ain't sure but best ring them ask.
2007-08-19 14:47:39 · answer #3 · answered by WelshLad 7 · 0⤊ 0⤋
Yup! It's a no claim bonus not a no blame bonus. unless you pay the repairs from your own pocket he wil have to claim. It does not take a very big nock for repairs to reach the £1000 mark
2007-08-19 16:18:39 · answer #4 · answered by Scouse 7 · 0⤊ 0⤋
Yes, if you have to claim on the named drivers insurance then if its non-protected NCB then it will feck it up something rotten.
2007-08-19 15:58:28 · answer #5 · answered by futuretopgun101 5 · 0⤊ 0⤋
Of course. No claims means just that. No claims on the vehicle. Not just no claims on the primary driver.
2007-08-19 11:49:45 · answer #6 · answered by oklatom 7 · 0⤊ 0⤋
yes,unless it's not you're fault...be careful though...if you are classed as the second driver and you do the majority of the driving the insurance company will try to catch you out...and they may void your insurance..
2007-08-19 12:15:59 · answer #7 · answered by i.pilling 2 · 0⤊ 0⤋
Our son was on is dads he had a knock my husband lost his no claims.So the next year the premiums shot up.
2007-08-19 13:37:06 · answer #8 · answered by Ollie 7 · 0⤊ 0⤋
yes it will as they are policyholder either get your own policy or see if they can protect their no claims discount usually doesn't cost much to do this
2007-08-19 11:57:14 · answer #9 · answered by jacqueline8269 2 · 0⤊ 0⤋
depends on who you or they got for ins.
2007-08-19 11:52:04 · answer #10 · answered by angel195 1 · 0⤊ 0⤋