Car Insurance Renwal, My Policy - She crashed.

Vini123 · 15 March 2017 at 9:59PM

I've been driving 10+ years, and have the equivalent NCB. My wife has been driving for about 9 years, again with the equivalent NCB.

I have my own car, my own policy and she's a named driver on my policy. The policy has protected NCB.

She has her own car, her own policy, and I'm a named driver on her policy. The policy has protected NCB.

Long and short of it, she's had a bump, in my car, her fault... My cars been sorted using my policy.

Now the problem I have is with regards the renewal, which typically is due end of this month. Despite protected NCB, I'm sure I'll get screwed somewhere/somehow.

When completing the insurance renewal quote form, it asks for "main driver" on this policy, which is me. Then it asks "Has this driver had any claims in the last 5 years, and who was at fault?".

To which the answer is No, the main driver (me) has NOT had any claims in the last 5 years.

When adding a second driver, the mrs, and it asks "Has this driver had any claims in the last 5 years, and who was at fault?".

To which the answer is Yes, she has had an accident, and was at fault.

I guess you can preempt whats coming, but can I simply drop her from my policy?

I also own a second car (weekend fun), and have a completely separate, second policy on which there is only me. I assume, this will be unaffected?

ilikewatch · 15 March 2017 at 10:06PM

Who made the claim? - I'd be surprised if your wife was allowed to make a claim on your policy without your involvement (Data Protection etc. etc.)

If you made a claim on your policy because of your wife's accident I'd imagine that YOU have to declare a claim, and YOUR WIFE has to declare having had an accident/incident to her insurer. In this case you would also have to declare your claim to the insurer of your other vehicle.

Mind you, I'm just a layman giving my uninformed opinion, I'm sure there's far more knowledgeable forumites who will have better knowledge of the subject.

Vini123 · 15 March 2017 at 10:27PM

When "we" called to report the incident, I did have to speak to the claim handler, to verify data protection etc... however, it was my wife who detailed the incident, as I wasn't in the car/around at the time it occurred.

The car has been repaired, using my policy.

Regarding renewals, the wording on the "online quotation" for Aviva talks about "me" and not "policy". Like with all of these things, its all quite vague.

I'm thinking it might be better to do phone quotes this time around, to try and avoid the vagueness!

Vini123 · 15 March 2017 at 10:38PM

Looking at Direct Line;

Have you had any accidents or claims in the last 3 years, regardless of fault?

A claim, potentially? However, when you choose yes, none of the options really fit. They switch back to referring to "You".

Vini123 · 15 March 2017 at 10:56PM

Last year was £330 with Aviva.,, that included protected NCB & much lower excess of 150 than DL default of 350. Both our cars are due end of this month, lovely.

Anyway, just following through that Direct Line quote;

my car

580 me, with claim
380 me, without claim
431 me & wife, with wifes claim
502 me, with claim & wife with claim

her car

465 wife, with claim
385 wife, with claim & me

ilikewatch · 15 March 2017 at 10:59PM

You could always phone your insurer/s for clarification.

It's entirely possible that the semantics are clarified in some sort if glossary or appendix where "you" could mean "the insured, any named drivers or anyone driving the car with the permission of the insured".

At the end of the day though, if YOU have an insurance policy, and a claim has been made on YOUR policy, then it stands to reason that YOU have made a claim.

I must admit that I've never come across a "renewal form" which asked anything about previous claims - mine normally states that they assume nothing has changed which they're not already aware of, and would already list any claims/accidents/convictions which had ocurred during the preceeding year.

mrmot · 16 March 2017 at 6:32AM

Logic would say that any claim made on the policy is made in the policy holders name, which would suggest that the claim has been made by you.

d0nkeyk0ng · 16 March 2017 at 8:33AM

As above, you hold the policy, not your wife. Hence the claim is on your policy. Ignore the fact that your wife has her own car and her own insurance for a moment. You have one car. You are the main policy holder. Your wife is a named driver. There's only one insurance policy. Your wife has an accident. You, as policy holder, have to make a claim on that policy. Hence, the answer is "yes" you have made a claim within the last 3/5 years.

Now let's say your wife had an accident in her car and she claimed on her insurance. You yourself did not have an accident in your car, nor did your wife. In this case, main driver has no claims, additional named driver would have one claim.

Nodding_Donkey · 16 March 2017 at 9:23AM

Is this question really worth a thread.

Your car, your policy so the claim is yours.

Car_54 · 16 March 2017 at 9:30AM

Why are you agonising over this? Your insurer already knows about the answers!

1. You have had a claim - your policy, wife driving.

2. Wife has had a claim - your policy.

3. Yes, you can drop your wife from the policy. Before you do, it's worth checking to see if it would make any difference in premium.

Alter_ego · 16 March 2017 at 9:31AM

Remember her accident when renewing her policy on her car.

Car Insurance Renwal, My Policy - She crashed.

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