Jay

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Does main driver lose no claims if second driver has accident?

Hi,

Just need some information on insurance policy - if I am main driver and I get my brother as a 2nd driver; if he has a accident, will it affect my insurance policy/no claim bonus?

Thanks in advance
Jay   (Level 1)  |   Car Insurance  |   04 May 2009 08:34
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gices gices  (Level 2)  |   05 May 2009 16:37

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Jay,

If you are the main driver, then the car insurance policy will be under your name and you will be the only one who will accumulate no claims bonus. So your brother will not get any no claims at the end of the insurance cover period. If your brother has an accident, the claim will have to be made under your name as you are the policyholder. This means that you will lose any no claims bonus you have earned previously because of your brother.

Some insurance companies allow you to protect your no claims bonus for an added fee. You can look into that if you are worried about losing your no claims.
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