Named driver car insurance

I have my own car insurance and I am a named driver on my husbands insurance. 
My son is a named driver on my policy only, not my husbands, my son had an accident in my car which I claimed for on my policy.
My husbands policy is due for renewal, I will be on this as a named driver, do I need to enter the accident my son had on my husbands policy even though I wasn’t driving.

Comments

  • Car_54
    Car_54 Posts: 8,137
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    No. As a named driver they need to know about your accidents, not your claims.
  • As above - if they ask about claims you will have to disclose it, otherwise not.
  • tifo
    tifo Posts: 1,919
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    edited 15 January at 12:15PM
    Car_54 said:

    No. As a named driver they need to know about your accidents, not your claims.
    From what i know through personal experience on a policy, you'd have to declare the accident as a claim as a named driver regardless of fault. This means when a named driver has an accident both they and the policyholder have to declare it and the insurers get to raise the premiums for both !!!

    We had this exact same situation and the insurer later charged £300 more for the named driver having an accident or claim through their own policy. ..... they asked us "why the named driver didn't declare the accident from their own policy", we replied "because the named driver wasn't driving for that accident", they replied "it was still a claim on their policy, £300 more please".
  • Car_54
    Car_54 Posts: 8,137
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    Forumite
    tifo said:
    Car_54 said:

    No. As a named driver they need to know about your accidents, not your claims.
    From what i know through personal experience on a policy, you'd have to declare the accident as a claim as a named driver regardless of fault. This means when a named driver has an accident both they and the policyholder have to declare it and the insurers get to raise the premiums for both !!!

    We had this exact same situation and the insurer later charged £300 more for the named driver having an accident or claim through their own policy. ..... they asked us "why the named driver didn't declare the accident from their own policy", we replied "because the named driver wasn't driving for that accident", they replied "it was still a claim on their policy, £300 more please".
    As prettyandfluffy has said above, only if they ask about claims as well as accidents.
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