my girlfriend has her own car, with me as a named driver, she has only had her licence a year, ive had mine for 7 years, iam a named driver so she pays less on her policy, i have my own car with insurance in my own name.

if my girlfriend has an accident, will it effect my no claims?

thnk god for tht, shes very likly to av an accident, shes so hesitant an nervous! thnx for the advice m8

Ha..Ha -- Yep....know what you mean !

But until she is associated on your policy as a named driver, then she is not a risk that would need declaring to your insurers.

jeeeese, thnk fk for dat! lol

I had a similar arrangement with my girlfriend where I was the main driver on her policy and had my own car and insurance too. I thought she would be the one to lose the no claims bonus so I left her off my policy but I ended up wrecking her car one night in the lanes.

Now she has 0 no claims discount and gets to take the mick out of me down the pub in front of my mates.

Great... :(