How the NCB works?

I have a baby brother and when he passed his driving test and bought a car I have put his on a insurance policy as a named driver and he was using the car for work purpose only. I have my car (second one) insured in different insurance company. And now my brother hit the middle barrier on motorway. Do I loose my NCB on both insurances? Please can someone help me. Do I have to inform the other insurance company. I am the main driver but he is the one who drive this car. There was no injured or other vehicle involved in the accident. Thank you in advance

Have you made it clear on your policy who drives what and when? If not you could be un insurured

RMD Transport Ltd said:

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And now my brother hit the middle barrier on motorway.

And that is why the Insurance Co. would have loaded the premium for your Baby Bro'

Make him pay for any out of pocket expenses you have incurred and then he may understand why the premia are structured against under 25 young men.

Yes, they know that. He was the one who drove the car involved in the accident. I always drive the second one. But the thing is I am the main policy holder so I will probably loose my NCB on the policy I own for my second car too?

Have you told the company who covers your first car about the accident?

Yes, and now it is due to be renewed and I know I have lost my NCB. I need to know what about the second car that only I drive. He is not named on the second policy.

Im afraid after declaring this you will no doubt have to declare it to your other Insurance even if its "for information only" and this will certainly put your premium up but you may not lose your NCB through it.. Its the same as a non fault accidents.. Its a pain but you have to do it, and you get hammeed for the privelage..

If the policy is in your name, you have to let them know about any accidents, I do not think they will be happy! You stated that your brother was named driver, but it sounds to me he was main driver,

The policy is in my name, He is the named second driver but you right he was the main driver of this car he need it for work as he live in Bedford and work in Northampton.

Whose name is on the registration documentation of the car he crashed

The car is registered in my name. Maybe this is stupid but I really wanted to help him. I must tell about the accident to the other Insurance Co. I loose my NCB, which is not good at all if you are been driving for 20 years.

I dont think you will lose the ncb on the other policy simply because its a "No claims discount" you will not have made a claim on that policy although you will need to tell them you have made a claim as they specifically ask this, its probable your insurance will rise, Is there much damage? I may be inclined to tell your brother to absorb the loss and leave the ins company out of it, was he 3rd party? In which case you shouldnt need to claim with no one else involved unless the Highways are claiming the barrier damage off him?

Insurance companies are not stupid, I thought everyone had given up on this angle once all the insurance companies were linked to the database, it wouldn't take them long to check out that you already have another car insured you as the main driver, taking them for fools is something the insurance company don't take kindly to.

Thank you all for you responses. There is no much damage and no one was involved, only him and the barrier. It still early days to say what the Highways will do. I am going to phone the insurance company today. Anyway, thanks again.

Dont you protect your NCD

They will ask, have YOU had any claims fault or none fault in the last 5 years answer NO, if your bother is going on the policy then the answer would be YES

or tell them you had a name driver make a claim then your covered ;-)

I had this with the wife my policy, she was the name driver on my policy, i answered the same as the above

You will be shocked at the bill for the barrier!

MK Bikes said:

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You will be shocked at the bill for the barrier!

£1000 per meter give or take

PW Courier Services said:

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Dont you protect your NCD

Protected is not worth the paper its written on.. Its just another way of extracting extra cash out of you..

Protected is not worth the paper its written on.. Its just another way of extracting extra cash out of you..

Totally agree with you on that one.

I have 2 policies 1 for car and other for motorbike had car stolen a few years back but never lost my ncb on motorbike policy thou