A quick (urgent) question about named drivers on my policy

I'm the policy holder. When I bought the car, I added my mum as a named driver.
One condition for her to be eligible was to have maximum ONE fault claim which we both thought to be true however the insurance company recently called and said that 3 years ago there was another claim (which was that someone scratched the door of her parked car but because there were no witnesses, it came from the insurance company's money to repair the door).
Now she's been taken off the insurance policy, but I'm still insured.
It was a genuine mistake in which we didn't realise this incident 3 years ago would mean she couldn't be added as a named driver.
Does she have to declare this to future insurers? Will this affect her future insurance badly?

Reply 1

Advisor

She will indeed have to declare all claims (whether at fault or not) to future insurers if asked. Usually, insurers ask for incidents going back 5 years, so in another 2 years, the car park incident will have "dropped off" her record.

A non-fault claim shouldn't affect future insurance too badly. Not as bad as if she'd caused a major collision or committed a serious offence.