If my dad adds me as an additional driver to his car and I crash it, does he lose his no claims bonus?

If your name is listed on the car insurance policy, then you are covered. Whether your parents are away or not does not make any difference as long as you are a named driver. You will however need to make sure that you are driving when you have received confirmation that you have been added to your father's car insurance policy and not before that because you will be covered only when your named driver status comes into effect, that is, when you are officially listed as a named driver.

[Migrated from previous post 1277 dated 28 Sep 2010]

OK, what if me and my dad agreed to not repair the car, then the insurance company won't remove my dad's no claims right?

Unfortunately it doesn't work out this way. If you have an accident, you are required to tell your insurers and when you inform them, a record of the accident will be held on file for you. This means that renewal quote will be calculated with less no claims discount.

If you decide not to inform your insurer and they later find out you haven't disclose this information to them, your insurance will become void.

Thanks for that. Guess I must buy my own insurance as I want to collect NCB as well and also don't want my dad to lose his many years of discounts.

Any car you recommend for cheap insurance?

Check our list of cheap cars to insure for new drivers.