Crashing car with parents on insurance

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NATHANSCARROTT
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#1
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If I was the main driver of a car and my dad was an additional driver, which means the insurance is much cheaper, and I crashed the car would he be affected in any way. For example, would his NCB on his personal car be affected or his personal insurance for his car be affected in any way.
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Reality Check
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(Original post by NATHANSCARROTT)
If I was the main driver of a car and my dad was an additional driver, which means the insurance is much cheaper, and I crashed the car would he be affected in any way. For example, would his NCB on his personal car be affected or his personal insurance for his car be affected in any way.
The accident affects the driver, not the policy. If the policy is in your name (which presumably it is as the 'main driver), then you are affected by it. Your dad, as an additional driver, is not relevant to your accident. His NCB is not affected because it's not his policy.
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uberteknik
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(Original post by NATHANSCARROTT)
If I was the main driver of a car and my dad was an additional driver, which means the insurance is much cheaper, and I crashed the car would he be affected in any way. For example, would his NCB on his personal car be affected or his personal insurance for his car be affected in any way.
No. It's the person who was driving the car when the accident occurred that may incur NCB penalties and higher premiums.
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StriderHort
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Ditto, accidents are tied to the one driving.
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