Will a named driver claim affect my other policies?

spyslikeus

I'm sure someone can give me good advice about the following:-

I'm arranging motor insurance for my 17 year old son, on a provisional license, insuring his first car.

I can either insure him on his own policy, myself as a named driver, with a best price of £990 TPF&T, rising to £1430 when he passes his test (Quinn Direct).

Or, I could have his car registered and insured in my name with him as a named driver. I have two cars myself, both with full & protected NCB. I have been a named driver on my wife's insurance for many years and have never made a claim, though my wife has. By using this named driver experience I can get a quote of £540, rising to £830 when he passes his test (also from QD), clearly a significant saving for the first year, until he then uses his named driver experience for his own policy in the second year.

The question I have is: If I go for the second option and he makes a claim, will I have to declare this on the renewals of my own two car policies (which he will not be a named driver on)? I.e. as the policy on his car would be in my name, would any claim be classed as his or mine?

Hope this all makes some sense, and thanks in advance for your replies.

MarkyMarkD

For starters, I'm hoping that in getting the second quote you have clearly informed the insurer that your son will be the main driver despite it being registered in your name.

Having established that, you would still have to disclose any claim on a policy in your name, even if another named driver was responsible. So would he have to disclose any claim, as he was the responsible driver.

The wording used by (for example) confused.com is

any accidents, claims or thefts in the last 5 years

which captures both circumstances described above.

Mini_John

spyslikeus wrote: »

I'm sure someone can give me good advice about the following:-

I'm arranging motor insurance for my 17 year old son, on a provisional license, insuring his first car.

I can either insure him on his own policy, myself as a named driver, with a best price of £990 TPF&T, rising to £1430 when he passes his test (Quinn Direct).

Or, I could have his car registered and insured in my name with him as a named driver. I have two cars myself, both with full & protected NCB. I have been a named driver on my wife's insurance for many years and have never made a claim, though my wife has. By using this named driver experience I can get a quote of £540, rising to £830 when he passes his test (also from QD), clearly a significant saving for the first year, until he then uses his named driver experience for his own policy in the second year.

The question I have is: If I go for the second option and he makes a claim, will I have to declare this on the renewals of my own two car policies (which he will not be a named driver on)? I.e. as the policy on his car would be in my name, would any claim be classed as his or mine?

Hope this all makes some sense, and thanks in advance for your replies.

Insuring your children on your policy is always a very dodgy ground. If, for instance, the car was purchased by your son its legally his and if the policy was in your name its classed as a fronted policy. This is fraud and it will be repudiated and you may find it difficult to get another policy. If the car was registered in your name and your son was a named driver on your policy the insurer will more than likely investigate the claim if your son had an accident, as fronted policies are very common. The investigator will first look at the car and see it it looks like it belongs to someone of the age of the policyholder (you), if it has the normal young driver trade marks, i.e. stickers on the windows, large exhaust, tinted windows, a citroen saxo (usual give away) then the insurer will ask for purchase receipts and things like that. If these are in your sons name, or there is any record of the car being purchased by your son, the claim will be repudiated, or they will ask for the difference between insuring your son as the named driver before paying the claim. best policy is to be honest, believe me, i have repudiated many claims like this!