Named drivers can't usually build up a no claims discount, although they can accumulate their own if they're insured as the main driver on their own car. Some insurance providers may give a named driver a discount – provided they take out their own policy at a later date.
Can named drivers build a no-claims bonus? If you are a named driver of a car, not the main driver, you usually won't be able to build up a no-claims discount. However, if you then go on to take out your own policy with the same insurer, you may benefit from a discount.
Can you earn NCD on a provisional licence? Yes – providing you have an annual insurance policy and keep it running for the whole year without making a claim, you will earn your own No Claims Discount.
As a named driver you will be given the same level of cover as the vehicle's main driver. Named driver policies are only appropriate if the named driver is not the main driver (main user) or the owner of the vehicle. Named drivers should be careful to avoid 'fronting', a form of insurance fraud.
If I'm a named driver on someone else's insurance policy, can I build up a no claims discount? If the insurance policy is with us, then yes. We recognise named drivers' no claim history, so we'll take into account how many years you haven't made a claim on someone else's policy.
If a named driver has an accident or needs to make a claim, it has to be reported by whoever is the official policyholder. However it can be useful for the named driver to be present too, as the insurance company may want to speak to them for more information or clarification.
We'll only accept a No Claim Discount (NCD) from a policy for which you were the main driver. If you've been a named driver on insurance before, you could keep the policy, but you'll need to reduce your NCD to zero years and this will increase your premium.
Is car insurance cheaper with a named driver? A named driver might be older and more experienced than yourself. So, your costs could go down if you add them to your policy. That's because driver age and on-the-road experience plays an important part in working out the likelihood of a claim.
While named driver insurance can have benefits for both parties, the policyholder is more at risk. This is because is the named driver on your policy crashes the car, it will be under your name. So, if you have built up a no claims history of five years, and your named driver crashes, you will lose it if you claim.
How is car insurance fronting detected? Car insurance fronting will most likely be discovered when you make a claim. If the named driver was behind the wheel at the time of the incident, your insurance provider may have their suspicions, and decide to investigate further.
What's the cheapest way to insure a learner driver?
Insure the learner driver on a shared car
Getting a short term insurance policy for the learner on a parent's car is a cheap and flexible option for learners who want to practice outside lessons with a driving instructor.
A no claims bonus is usually only given to the policyholder themselves, so second drivers, also called "named drivers", don't usually earn their own bonus unless they are also the main driver on another policy. Here's a couple of examples.
Yes, many insurance providers will let you transfer your no-claims bonus to another person. But there may be specific criteria. For example, many will only let you do it once, and only transfer it to a spouse or partner, and you won't then be able to use that NCD on another policy.
You can pay to guarantee or protect your NCB. 'Guaranteed' means a claim won't reduce your bonus but you won't get extra discount that insurance period. 'Protected' allows two claims in three years before the bonus is reduced, and, again, you won't get any discount in that period.
In short, nothing! 'NCD' means No Claims Discount and 'NCB' means No Claims Bonus but they are both referring to the same thing. Bonus Malus is another term that is used in countries outside of the UK but has the same meaning as NCD/ NCB.
No claims discounts vary from insurer to insurer, but they can be as much as 30% for one claim-free year and 60% for five claim-free years. Some insurers offer protected discount policies which allow customers to make a certain number of claims over a specified period of time without affecting their no claims discount.
What happens if a learner driver causes an accident?
As learner drivers have the same duty of care as experienced drivers, they're liable for any injuries you sustain in an accident for which they're at fault. Learner drivers are required to be insured before undertaking driving lessons, so you can normally claim against their insurance.
Does your insurance go up after a claim that is not your fault?
Unfortunately, in many cases a non-fault claim will increase the cost of your car insurance, although it shouldn't have as much of an effect as making an at-fault claim would. Some providers can raise your premiums by up to 30% for one non-fault claim, and by up to 50% for two non-fault claims.
Named drivers should use the car infrequently and less than the main driver. If, for example, you drive to and from work every day in the car and your child drives it a couple of times a week, then you would be considered the main driver.
Adding someone to your car insurance is quite simple. If you have an existing car insurance policy, you'll need to contact your insurance provider and give them the details of the additional driver, including their name, date of birth and occupation.
Do I lose my no claims if a named driver has an accident?
Adding a named driver to your policy won't affect your no claims bonus - unless they have an accident. If they do, it's you who'll need to claim as you're the main driver. You are fully liable for the claim, even if it's the named driver who is in the accident. So, it's your no claims bonus at risk here.
You can find out how many years of no claims bonus you've accumulated on your car insurance renewal paperwork, on your cancellation letter, or a letter from your provider confirming your no-claims discount. To be valid, it must be dated within two years of starting your new car insurance policy.
Your particular driver profile, which includes factors like where you live, your age and your driving record, influences what you pay for car insurance. But rising car repair costs and an increase in disaster-related claims are significant reasons why car insurance rates are surging for many drivers.
Yes, you can insure two cars under your own name. One option is to look into multi-car insurance policies, another is to take out two separate policies.
