My daughter is insured on my car and recently had an accident. I'm going to now lose my no claims bonus, this will go from 9 years to 2 years. My question is, in addition to losing my no claims should my premium go up a lot too even though I wasn't driving? Are all of the insurers the same in this respect? If I ytake out a policy in the future without her on it will still be penalised for her accident?