son 20, 3 accidents in 12 months, question

[fishing50mrh]

Hi

Can anyone explain the following, my lad 20 years old has been driving my car on my insurance, he's a named driver, he's had 3 accidents in less then 12 months, although he says they were not is fault, anyway I’ve ended up paying the excess each time £400.00, he's now taken off the policy!!! Question is: - when I go to renew my insurance do I have to disclose that I have had 3 claims even though I was not driving, but it's my policy, also if I have to disclose that, does it mean that my son when he gets insurance he doesn’t have to state he's had 3 accidents cos he was driving on my policy surly we both can’t be penalised, let me know, thanks in advance, martin

 

[dave]

your son declares them as accidents, you declare them as losses i think

 

[Ozric-Al]

:yeahthat:

 

[custard]

this is the risk you run with named drivers im afraid