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Ins question

joinerman

Well-Known Member
Joined
Mar 23, 2010
Messages
2,912
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 ?
 
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.
 
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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