Named Driver Crash - What to enter on Insurance sites

Quentin

Nevertheless not the way its done and the policy looks too have 2 incidents when there has only been the one.(Whoever told you this was the way to do it has mislead you)


See what happened to the OP when he tried your method in the OP (scenario 4)


(If the driver remains on the policy then it goes against his history not the policyholder)

sh0597

Seems a bit odd. It's the policy holder that made a claim not the named driver.

arcon5

The named driver had an accident but hasn't had any claims.


policy holder: 1 claim : 0 accidents
named driver: 0 claims : 1 accident

Where's the duplication?
What's wrong about that?

Quentin

arcon5 wrote: »

The named driver had an accident but hasn't had any claims.


policy holder: 1 claim : 0 accidents
named driver: 0 claims : 1 accident

Where's the duplication?
What's wrong about that?

According to your (incorrect) way of reporting, there have been 2 incidents - one for the PH and one for the ND. There is the duplication.


As previously posted, whoever has told you this has mislead you.


One reports "incidents" - then say whether or not the incident lead to a claim, then whether or not it was a fault claim.


You don't get two different questions to answer as you suggest

mrmellor

Thanks for all the helpful advice! I ended up chatting to someone at Aviva regarding this just to be sure, and they did confirm what Quentin said above. I'd have to declare the claim against myself if I wasn't to add the named driver to the policy, or just once against him if I did.

On a few comparison websites, they do make a slight differentiation between accidents and claims, but I bet this makes no difference once they poll the insurers for quotes. Aviva's web form certainly makes no differentiation between claim and accident, so it would have led to duplication of the single claim and a much higher premium!