I'm just about to renew my fully comprehensive motor insurance policy. I have guaranteed full No claims discount (75%). My daughter has her own car and insurance, but just in case she ever needs to drive my car, she is included on my policy as a named driver. She was driving her car last year and was hit by another vehicle and won her claim against the other driver. Although she was blameless, my insurance company want to add about £35 on to my premium for the incident. Is this extra charge usual? Thanks in advance.