Rippleeffect

If you are the Policyholder it is your NCD that applies and is at risk. It does not matter whether it is you or a named driver who has an accident. If the named driver has an accident, without protected NCD, the NCD entitlement will reduce to 3 years. The max is normally 5 years and for each fault claim, the NCD drops back 2 years. With protected NCD you would still have 7 years, but Insurers would still probably load the premium.

When you come to arrange new Insurance, they want to know about any claims within the last 3 or 5 years. it does not matter whether it was you driving or not. They would want to know details of all claims.

Also as a named driver, if you then go and arrange your own policy, if you have had an accident you have to declare it.

Hope this is clear.

Huckster

Background info:
AA Insurance: Main driver + Additional driver. Main driver had 7 years no claims before and paid extra to protect it. Additional driver causes an accident and a claim is made on main driver's policy. Main driver's no claims stays at 7 years. Fault is NOT the main driver.

I've asked around alot and I still don't have a clear answer with different people/companies telling me different things.

If the main driver decided to buy individual insurance (without the additional driver), is the main driver at fault or not for the additional drivers mistake? Say on a form, it says claims made - a claim was made but it wasn't the main drivers fault O the third partys - so how is this to be told/said. Does he have to put tell the insurance about the addional driver?

If the main driver decided to buy insurance and have the same additional driver, then the application form is much more clear in that no claims/accident was under the main driver, but under the addtional driver's history, a claim or accident was made and blame is upon the additional driver rather than the main.

Hope I haven't confused anyone.