In Most cases you cannot build up any No Claims Bonus by being a named driver on someone else's policy. Check for the exceptions, there are a few.
If you're involved in a road traffic accident that isn't your fault you have the right to claim back losses from the responsible party. This should not impact your no claims bounus as it was not your fault.
Remember giving false information or leaving out vital information to get cheaper insurance is an offence and will ultimately leave your policy null and void.
Remember any claim made against your insurance company may affect your no claims discount and could lead to higher premiums. You can sometimes protect your no claims with an optional premium. make sure this is transferable to other companies though.
One way to get lower car insurance is to buy a car that belongs to one of the lower insurance groups. These are norammly vehicles with a lower engine size and basic equipment and cheaper to repair in the case of an accident.
