Is it safe for me to be a named driver on a friend's policy?
A friend recently retired from mini-cabbing. He initially struggled to get his no claim discount (NCD) carried over from his specialist cab policy to the ordinary policy. His broker suggested that if he added another driver the premium would automatically reduce by 30 per cent. He was told it did not matter if the second driver has no intention of driving the car and the lower premium was because multi-driver cars tend to be driven with more care than those used by more than one. He asked me if I was prepared to be named but I was concerned that there might be a potential downside for me and my personal NCD - am I being over cautious?
Asked on 2 January 2019 by Bob Boad
Answered by
Tim Kelly
Yes indeed you are. It will not affect you in any way. The broker has given the exact advice I would. If there are any negatives, it is the other way round. If you have any points or commit any offences, he will have to notify his insurers, same if you have any accidents or make a claim.
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