teenage son's car insurance

ooops

Hi, just a quick question -
If I went on my 19 year old son's car insurance, to hopefully reduce his premium, and he had a bump and had to make a claim, would it effect my no claims bonus?

cheers

jammin_2

ooops wrote: »

Hi, just a quick question -
If I went on my 19 year old son's car insurance, to hopefully reduce his premium, and he had a bump and had to make a claim, would it effect my no claims bonus?

cheers

No it would not.

Paul_the_Painter

Ooops is spot on - no claims and accident history are totally seperate things. If you crashed his car, he would lose his no claims, but it wouldn't effect yours. You would however have to disclose the accident to your insurer, which would normally lead to an increse in your premium, but not as much as if you had crashed your own car - and then made a claim on your insurance - thus having an accident AND making a claim.

Remember it is a no CLAIMS bonus, not a "no accident" bonus or "no fault" bonus. If you wake up in the morning and your car has been hit by someone who has done a runner, and you have to make a claim - no claims bonus is gone.

ooops

wow insurance is so confusing!

jammin_2

Paul_the_Painter wrote: »

If you crashed his car

Not the question being asked..

ooops wrote: »

and he had a bump and had to make a claim