Named Driver Crash - What to enter on Insurance sites

mrmellor

I'm getting myself a bit confused by what I need to enter on websites for a renewal of my insurance after a named driver on my policy recently crashed my car. I've tried looking for other threads on this, but none quite fit my scenario.

I understand that if a named driver has an accident on your policy, you have to declare the claim for however many years the insurer specifies (usually 3 or 5). But my first confusion is the 'fault' bit. Assuming I'm not adding the named driver onto my policy again, do I have to declare the claim as 'at fault'? After all, it was not me who crashed the car! Aviva's web form asks the question 'was this driver at fault' which I'm interpreting as being the person I'm filling the form in for (i.e. me).

I have a feeling it may still be at fault, as my current insurer would have had to pay out, and it was the named driver's fault (he crashed into a lamp post!).
Based on the assumption above, if I was (perhaps foolishly) going to add him to my policy again, would I have to declare the accident again under his name?

I've been having a play around with the quotes, and set up the following scenarios:

1. Just me as a driver, declared claim as no fault
2. Just me as a driver, declared claim as fault
3. The named driver and myself, declared claim (no fault) as myself, and a fault claim under the named driver
4. The named driver and myself, declared fault claim as myself, and again for the named driver

2 & 3 cost the exact same amount, so if I'm having to declare the claim as a fault if he isn't on my insurance, but only declare the fault once if he is, I may as well add him to my policy.

Scenario 4 costs way too much, and it feels wrong that I'd have to declare the fault twice anyway!

Hope that all made sense. Does anyone have any ideas?

Quentin

"At fault" doesn't mean "at blame".


A fault claim is one where your own insurer has had to pay out and could not reclaim the outlay in full.


If you keep the driver on your policy you only record the claim against their history as "fault".


If the driver is no longer covered then you record the claim against your own history as "fault"

Mr_Mink

I think you're probably best off phone a few of the insurers to see what they say. Or possibly a broker. At the very least they may be able to give you an idea of what they would expect.

sh0597

Sometimes websites can be confusing.


Usually you are asked if you've made any claims and if you've been involved in any accidents.


You'd declare you made a claim and you'd declare under the other driver's driving history they were involved in an accident.

Quentin

sh0597 wrote: »

Sometimes websites can be confusing.


Usually you are asked if you've made any claims and if you've been involved in any accidents.


You'd declare you made a claim and you'd declare under the other driver's driving history they were involved in an accident.

No.


Do that and you would be declaring 2 incidents when there has only been one.


(See # 2 for the correct way to deal with this issue.)

Limey

I recently had a very similar issue, a named driver on my policy had an accident while driving my car. One difference between my situation and the OPs is that I did not make a claim, only the 3rd party was paid out.

Come renewal the insurance company I moved to said that I need not include it for the quote as I was not putting the driver onto my policy for the next year. If I had of been including them on the policy then I would have needed to inform them.

I have a feeling that this is pretty variable between insurance companies and brokers so it is best to discuss it with them.

forgotmyname

Its still a claim or incident. And needs to be declared.

I would be chasing that up to get another opinion. Maybe record the phone call.

Limey

forgotmyname wrote: »

Its still a claim or incident. And needs to be declared.

I would be chasing that up to get another opinion. Maybe record the phone call.

I have plenty of emails between myself and the broker saved so no worries if they change their mind on the subject, and after several weeks of them they can't deny not being informed about the incident. :rotfl:

I was surprised myself when they said the incident wouldn't count against me for renewal.

Makes perfect logical sense, if the eejit who crashed my car is no longer allowed anywhere near it there's no increase in risk. But we all know insurance is rarely logical.

arcon5

'Claims' and 'Accidents' are different.

It would be declared under his history as a named driver under 'accidents'.
But would still be declared as a claim under the policy.

Quentin

arcon5 wrote: »

'Claims' and 'Accidents' are different.

It would be declared under his history as a named driver under 'accidents'.
But would still be declared as a claim under the policy.

No.


This would have the effect of (incorrectly) disclosing 2 incidents when there has only been one.


(see scenario 4 in the OP and the effect that had on the premium!)


You only list the claim once - either against the driver, or, (if the driver is no longer on the policy), as part of the policyholder's claims history.

arcon5

Quentin wrote: »

No.


This would have the effect of (incorrectly) disclosing 2 incidents when there has only been one.


(see scenario 4 in the OP and the effect that had on the premium!)


You only list the claim once - either against the driver, or, (if the driver is no longer on the policy), as part of the policyholder's claims history.

Claims and accidents are different. You can have a claim without an accident and visa versa.

Op insured only:
Claims: 1
Accidents: none

Op + named driver:
Claims: 1
Accidents: 1 under named drivers history.

No double entries here at all.