Liability for car accident

[LITTLEREDDOT]

An motor insurance policy will stated the named driver(s), i.e. the driver(s) who are driving the insured car, covered under the policy. Usually the named driver(s) is the policy holder and the spouse.

1. If your car knocks another car and it is found that the driver of the other car at that time is not the named driver(s), can the other car claim damages against your (through your insurer)?

2. If there is an accident whereby both parties are likely to be at fault, and it is found that the driver of the other car at that time is not the named driver(s), can the loss adjuster apportion the damages between you and the other driver?

 

[50000]

I think nowadays the named clause not important anymore. I think they have a clause or phrase that covers driver driving with the permission of the owner. So as long as the owner declares he has given permission to the driver to use his car, the driver need not be a named driver.....can someone confirm this.....

 

[THE_CHANSTER]

I think nowadays the named clause not important anymore. I think they have a clause or phrase that covers driver driving with the permission of the owner. So as long as the owner declares he has given permission to the driver to use his car, the driver need not be a named driver.....can someone confirm this.....

Your statement is correct. So long as the owner of insurance gives consent. I have never put down 'named drivers' in any of my policies.

 

[Cestbon]

I think nowadays the named clause not important anymore. I think they have a clause or phrase that covers driver driving with the permission of the owner. So as long as the owner declares he has given permission to the driver to use his car, the driver need not be a named driver.....can someone confirm this.....

Agree as long the driver have valid driving license. Insurance or police bo chap. Just go thru claim like normal.

 

[Jimmy1978]

Mine is from dbs and I went to their motor insurance page and checked..yup it doesn't need to be the named driver. Authorised drivers can also be those who have been given permission to drive the car.

 

[cunnilaubu]

One issue though - if the driver is not a named driver and he is below the age of 24, then Insurer may disclaim liability.
If you have someone, say your son/daughter who is under 24, you must named him as a driver and pay higher premium.