Car ins adding partner and liabilities

Lady_K

My daughter is thinking of adding her bf to the policy and realises it is her that will be effected by ncb if there was an accident and he was driving etc but what if he had any speeding fines or parking fines would that also be her to take the rap as shes the car owner?

nomoneytoday

If he got points it would be his responsibility to declare them to the ins company. More than likely they would just make a note and add them into the mix for the next years policy.

Lady_K

Thanx

They actually put him down as a partner living with her when they quoted by accident but shes told them hes not as she doesnt want anything to effect it if info is incorrect. So they have changed it to another named driver instead of live in partner I hope this wont make any difference

jem16

If the bf was caught speeding by a camera, then the notice would come to your daughter as the registered keeper. It would then be up to her to name the driver at the time of the incident. After that the notice would be sent to him and then up to him to deal with. If he was caught by police they would take his details.

As for parking fines, the fine would be issued to the car owner - up to your daughter to get the money from her b/f I expect.

Parking fines will not affect her insurance policy but points for speeding may well do so, regardless of driver.

gyzmo

Ultimately, your daughter could be affected if she did not excercise due caution (such as asking for her boyfriend's driving licence). Your daughter is the one making the declarations to the insurer, and she must do so in good faith. That means to the best of her knowledge and judgement. Obviously, this must be reasonable. But what people consider to be reasonable and what is reasonable can be a world apart...