Named driver

John_3:16

information please.

Fully Comp policy PNCD

Named driver took car out and parked it.

Car damaged by a storm.

Will both the policy holder and the named driver have a claim against them even though the named driver was not in the car?

Thanks

Quentin

The named driver was "in charge", so will have a claim on their record to disclose.

The policyholder will have to disclose the claim only if/when the named driver is taken off the policy.

John_3:16

The car is safe and fine to drive however it may be written off?

If we stop the claim I understand that it will still show on record.

Will it be cheaper to have a no cost claim against your record rather than a write off claim for any future quote?

This is because we could still drive the car fine with the damage as it is cosmetic. We would possibly give it to family after a few years.

Many thanks for your help.

Quentin

Do some virtual quotes online with a fault claim (for the write off),and a no cost incident (for the no cost option), and you will see what difference this makes to the premiums.