Home › Policy practicalities › Will Temporary Insurance on My Car Protect My No-Claims Discount if Someone Else Drives?
Answer: A separate temporary policy may keep a claim away from the owner’s main policy, but that should not be assumed in every case.
The temporary driver needs their own valid policy for the vehicle.
The owner may still have to tell their annual insurer about an accident even if that insurer does not pay the claim.
A protected no-claims discount is not the same as having no incident to disclose.
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