If named driver has accident, does policyholder lose NCB on NCB protected policy?

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Bill_2 07 Oct 2010

I am the policy insurance holder and my wife is a named driver, she was involved in an accident in which it looks as if she will deemed to be at fault. the policy is comprehensive and ncb protected. The car is a write off so will have to buy a new one so if I apply for insurance on my own do I lose my ncb, my wife has decided to give up driving. any thanks

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gices 07 Oct 2010

If you have protected NCB, you will not lose your NCB. However some insurers insist that you can only 1 fault claim in your first year of the policy protection and can have a maximum of 2 in a period of 3 years. If you have claimed before, then you will need to check with your current insurer for their terms of the protected NCB.

It's a shame though that you wife is giving up on driving because of the accident...