If named driver has a claim on another car; is it better to leave them off insurance?

HelenNoreen

Hi all, 

Given a detailed subject header so that hopefully those genuinely in the know will spot this...

My partner has been named on my insurance as a driver for a good few years, as it lowed my premium. 

However, he has had a 50/50 claim on his own vehicle. Would it be cheaper to now not include him as a named driver going forward, until the required reporting period is passed?

I don't want to put through different quotes with and without really; in case it triggers any anti-fraud measures. 

Thanks for any insight you can provide. 

chrisw

A single change and a genuine variable, ie to add a driver or not is unlikely to trigger any anti fraud measures.

The anti fraud measures will tend to be triggered by changing 'fixed' facts such as trying different addresses, with or without conviction or claim, etc.

So the simplest way to tell is by using the comparison sites.

DullGreyGuy

Insured & Spouse typically tends to be cheaper than Insured Only Driver policies even if the spouse were your metaphorical clone (same age, driving & claims history etc etc).

It'd be nothing but speculation if the impact of one fault claim is likely to fully offset the I&S discount or not and it'll just be a case of seeing what the two quotes are at the time. The impact of a claim diminishes over time and so when for year 1 it may be cheaper to have them removed that doesn't mean it'll be the same in years 2-5 whilst the claim still has to be declared. 

[Deleted User]

I had a similar situation (albeit it ended up 100% in favour of my partner), when I updated the insurance company to say she'd been in an accident and was a named driver, we did the calculations and it was still cheaper to have her on as a named driver with a "fault" claim (as it wasn't settled at the time) than without