Named driver issue

Smudge2023

I have recently change car insurers as my renewal had gone up by over £600. 

I had a very reasonable quote but a few days later was amazed to find that the premium was going to almost double because I had failed to inform them of a claim. I had not had an accident or made a claim so was confused as to why my premium was going to go up. It turned out that my daughter , who was a named driver on my policy had made a claim and I was supposed to have told them of this as it was on my policy!  Why do I need to inform them of an accident I had no involvement with? And why does it advert effect my premiums as well as hers? 

jlfrs01

Smudge2023 said:

I have recently change car insurers as my renewal had gone up by over £600. 

I had a very reasonable quote but a few days later was amazed to find that the premium was going to almost double because I had failed to inform them of a claim. I had not had an accident or made a claim so was confused as to why my premium was going to go up. It turned out that my daughter , who was a named driver on my policy had made a claim and I was supposed to have told them of this as it was on my policy!  Why do I need to inform them of an accident I had no involvement with? And why does it advert effect my premiums as well as hers? 

Because the insurance company is insuring you both and when underwriting the policy they assess the risk of insuring all named drivers on the policy. It is why on the forms they always ask for the history of all drivers to be insured (claims and any convictions are taken into account). It may make a difference if your daughter wasn't at fault but in the insurance company's eyes, a claim is still a claim.

bluelad1927

)If you're daughter is insured to drive the car then you would have to declare a claim and the premium would obviously increase. Its very strange that you would think otherwise

If you don't want her driving record to affect your premium you're going to have to take her off your insurance

Sharni07

Did you not know she’d made the claim?
how old is she?

I had initially thought this post was going to say you were the named driver. My children all have me as a named driver on their policy’s as it brings down their insurance by about 10%. 

Why is your daughter on yours and simply not got her own policy? 

No point her being on your policy as a named driver if she has her own. 

My daughter had an accident 2 weeks after passing her test, wrote of her car. I was a named driver on HER policy so didn’t affect me.
i Would never let my kids go on my policy for this exact reason if they had an accident there goes my no claims which is 29years strong 😆 

Marvel1

When you add a named driver, one question asked is they ever had an accident/claim in the last 5 years.

TELLIT01

If the claim was made against the OPs policy, as it would seem, then the insurer would want to know.  If the daughter had a separate policy for her own car and claimed on that, it would seem odd that the OPs insurance increased simply because she is a named driver. 

Regarding the comments that there is no reason to have the daughter on the OPs policy if she has her own insurance, that is not true.  Not all comprehensive insurance policies cover the driver to drive other vehicles.

k12479

TELLIT01 said:

Regarding the comments that there is no reason to have the daughter on the OPs policy if she has her own insurance, that is not true.  Not all comprehensive insurance policies cover the driver to drive other vehicles.

And if they do it's normally on a third-party basis only.