Your selected question
If someone is a named driver on my policy and they have an accident after setting up their own policy with a Named Driver No-Claim Discount will this affect my policy?
If this does happen it won't affect the No-Claim Discount on your policy but under the Duty of Disclosure you are obliged to report this to your insurer, and depending on the circumstances it could affect your future premiums. This is the case regardless of whether the named driver has a policy of their own or not.