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Thread: Named Driver Crash - Confused - Quite Urgent

  1. #1
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    Exclamation Named Driver Crash - Confused - Quite Urgent

    Ladies & Gents,
    I am after some urgent advice.
    I was using my partners car in December, I am a named driver, and somebody crashed into me, long story cut short, they decided to try and claim against US and this is an on going case. In my name on her insurance.

    MY insurance is up for renewal.

    Do I need to claim I have this on going case?

    If he wins (he shouldn’t) do I have a claim and lose my NCB?

    Does my partner have a claim and lose her NCB?

    Any formal advice would be greatly appreciated!

    Many Thanks.

  2. #2
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    You need to declare it to your insurance company as an outstanding claim as you were driving.

    If it's settled fault, or even 50/50. Your partner will lose her no claims/have them stepped back.

    Your partner will also have to let insurance companies know that a named driver on her policy has had an accident.

    HTH

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    Ok quite confusing.

    So my partner claims that she has not had a accident but a named driver did and she will loser her NCB.
    I do have to claim an addicent however I do not lose my NCB. Correct?

    Its such a pain. We were parked, at the side of the road, this guy came, forign, in a smashed up car, hit the front of use at low speed with no lights on. He was alone, not hurt, our car was not damaged, however he then went on to tell the insurers (and prove somehow) that him and all 4 passengers including the baby all had to goto hospital, despire me being parked i was driving and I hit him... so his witness confirmed.... and his car was immaculate... or so a random photo shows. He even had his insuance details written down in his top pocket ready. The crash was in.... his mates car... that he was insured on... he couldnt speak much english at the scene but now to the solicitors speaks fine,... and we have since seen him in a brand new Audi A4. He even waited 28 days to claim.... exactly the amount of days the CCTV took to expire! Its clear fraud which we are trying to fight but this guy seems to be a pro.

    Quote Originally Posted by JJ0063 View Post
    You need to declare it to your insurance company as an outstanding claim as you were driving.

    If it's settled fault, or even 50/50. Your partner will lose her no claims/have them stepped back.

    Your partner will also have to let insurance companies know that a named driver on her policy has had an accident.

    HTH

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    Worse case scenario..

    Your partner will have had a fault claim on her insurance, be it her or a named driver (Risk you take with having named drivers) so loses her NCB

    You haven't claimed on your policy, so you don't lose your NCB. But, you have to declare you had an accident on someone elses policy.

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    Answer the questions the renewal ask you e.g. as below;

    -You will be asked have you had and accident in the last 5 years (yes)
    -You will be asked how many years no claims you have (Unchanged as the claim wasn't on your policy)

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    I am sick to death of these con artists who think it is an easy buck to do this. They proberly have done it a few times between themselves, I think insuranced companies should look a lot more at this type of crime, but no, they dont and pay out and why shouldnt they, its not them who pay it out its us the insurers.

    I hope your insurer fights your corner and teaches these people a lesson. Good Luck

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    Regular Member DAVIDD88's Avatar
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    If its ongoing then surely he does not have to declare it until its finalised

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    I'd fight this with your insurer. Tell them that you accept no blame, if it's not too late and you've already accepted it. Do not take anything less than no blame. Insurance companies are terrible in this regard and will usually try to settle knock for knock. DO NOT ACCEPT THIS. Make absolutely certain that they are not accepting blame. If you haven't already, tell your insurers to pass the details of the claim to their fraud department because the case has a whiff about it. Just my advice: take or leave. Good luck with it. Some nasty folk about. ;-) Paul

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    First things first... Go key every panel on his A4

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    Quote Originally Posted by DAVIDD88 View Post
    If its ongoing then surely he does not have to declare it until its finalised
    It's based worse case scenario, so it's fault until settled non fault.

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