Ins question

joinerman

Well-Known Member
Mar 23, 2010
2,900
242
63
Great Missenden Bucks
Garage
I have four vehicles all with separate policies , my OH is a named driver on one, my daughter is learning to drive and i will try and get her on the same one as my OH, if god forbid she had an accident and i made a claim would it effect my other policies ?
 

Towpack

Well-Known Member
Supporter
I am in england
Oct 4, 2011
3,643
1,244
113
UK
Garage
Possibly. When I had a claim against my LC insurance in 2016 I did not have protected NCB so went from 9+ years down to 3 but I expected this. What I didn’t expect was the loading it put on my bike policy which was annoying.
 

chadr

Well-Known Member
I am in england
Mar 19, 2010
2,742
453
83
Watford, Herts - but can usually be found in the w
Garage
I believe the answer is "yes" - as you are the policy holder and your wife/daughter are just named drivers. They do not hold their own insurance.

You can get your daughter insurance in her own name until she passes her test with various companies (such as Marmalade) that specialise in learner driver insurance*

That may be a better option, as it isolates your policy. All depends on the circumstances and cost etc. YMMV. :thumbup:

*I believe they still require the car to be insured and the learner insurance is in addition to that.
 
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