Does a named driver's accident affect main policyholder claim history?

If you were involved in the accident, then it will be recorded under your name and not your mother's. However it is your mum who is going to lose no claims bonus as a result. When you renew insurance, you will have to disclose the accident under your name and your mother will have to state less no claims bonus than she currently has. How much no claims she will be left with depends on how much she has now.

Does she (mum) have to disclose it though I'm in same situation?

Any claims where additional drivers are at fault will directly affect the no claims bonus of the policy holder which in your case I'm assuming is the first driver.

when second driver have accident affect no claim bonus of the first driver?

I did not understand fully what you said above. So let's clear the confusion:

1. On the insurance policy, who is the main driver?
2. On the registration certificate for DVLA, who is the registered keeper?

1. me
2. husband

Thank you

What's worrying you is the fact you're not the registered keeper but your husband is, right? But on your insurance documents, you've put yourself as the keeper of the vehicle. If that's the case, then the insurance company can try to make things harder with your claim because of incorrect information supplied but I doubt they are allowed to reject your claim and invalidate your insurance just for that reason.

Thank you- found out car a write off- but will have to wait now for more news.

Were you a named driver on his policy?

yes his policy i was ND i crashed now we have separate insurance. how does it affect him? will he have to disclose it even though i crashed?

He doesn't have to disclose it on his policy but you will have to on your own (separate) policy. The consequences of adding a named driver on your policy is that if the additional driver has a fault accident, then the main driver (your dad) will lose his no claims bonus (part of it or all depending how much he's got). On his renewal letter, it will state how many years no claims he will have left and it's that number that he will need to use when looking for car insurance quotes. Does that answer your question?

Yeh but basically someone hit him and they're sayin they won't pay out because he didn't disclose the accident.

But I had the accident not hi !! How do you know this anyway, thanks for the help.

A named driver on my policy had an accident and at that time I was insured with Churchill. When I had to renew my insurance the following year, I called them up and asked whether I should put the accident down in my name and they said NO. Since the named driver had the accident, it needs to go under his name which makes sense although I lost my no claims as a result.

What you need to do is find out whether the accident was reported under your name when you made the claim. If the accident was reported (or saved) under your dad's name, then that could be a problem as you'll have to prove that it was you who was actually driving the car at the time of the accident. Otherwise, there's no reason for them to decline the claim.