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  • FIRST POST
    • Vini123
    • By Vini123 15th Mar 17, 8:59 PM
    • 100Posts
    • 214Thanks
    Vini123
    Car Insurance Renwal, My Policy - She crashed.
    • #1
    • 15th Mar 17, 8:59 PM
    Car Insurance Renwal, My Policy - She crashed. 15th Mar 17 at 8:59 PM
    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?
Page 1
    • ilikewatch
    • By ilikewatch 15th Mar 17, 9:06 PM
    • 959 Posts
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    ilikewatch
    • #2
    • 15th Mar 17, 9:06 PM
    • #2
    • 15th Mar 17, 9:06 PM
    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
    • By Vini123 15th Mar 17, 9:27 PM
    • 100 Posts
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    Vini123
    • #3
    • 15th Mar 17, 9:27 PM
    • #3
    • 15th Mar 17, 9:27 PM
    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
    • By Vini123 15th Mar 17, 9:38 PM
    • 100 Posts
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    Vini123
    • #4
    • 15th Mar 17, 9:38 PM
    • #4
    • 15th Mar 17, 9:38 PM
    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
    • By Vini123 15th Mar 17, 9:56 PM
    • 100 Posts
    • 214 Thanks
    Vini123
    • #5
    • 15th Mar 17, 9:56 PM
    • #5
    • 15th Mar 17, 9:56 PM
    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
    • By ilikewatch 15th Mar 17, 9:59 PM
    • 959 Posts
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    ilikewatch
    • #6
    • 15th Mar 17, 9:59 PM
    • #6
    • 15th Mar 17, 9:59 PM
    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.
    Last edited by ilikewatch; 15-03-2017 at 10:04 PM.
    • mrmot
    • By mrmot 16th Mar 17, 5:32 AM
    • 178 Posts
    • 114 Thanks
    mrmot
    • #7
    • 16th Mar 17, 5:32 AM
    • #7
    • 16th Mar 17, 5:32 AM
    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
    • By d0nkeyk0ng 16th Mar 17, 7:33 AM
    • 336 Posts
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    d0nkeyk0ng
    • #8
    • 16th Mar 17, 7:33 AM
    • #8
    • 16th Mar 17, 7:33 AM
    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
    • By Nodding Donkey 16th Mar 17, 8:23 AM
    • 2,298 Posts
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    Nodding Donkey
    • #9
    • 16th Mar 17, 8:23 AM
    • #9
    • 16th Mar 17, 8:23 AM
    Is this question really worth a thread.

    Your car, your policy so the claim is yours.
    • Car 54
    • By Car 54 16th Mar 17, 8:30 AM
    • 1,823 Posts
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    Car 54
    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
    • By Alter ego 16th Mar 17, 8:31 AM
    • 1,910 Posts
    • 1,829 Thanks
    Alter ego
    Remember her accident when renewing her policy on her car.
    Ignore me if you like, it's not the real me anyway.
    • DoaM
    • By DoaM 16th Mar 17, 8:55 AM
    • 2,019 Posts
    • 1,922 Thanks
    DoaM
    Remember her accident when renewing her policy on her car.
    Originally posted by Alter ego
    Why? She hasn't had any claims.

    Unless the question asks about accidents/incidents, if it only asks about claims then she can truthfully answer No - her husband had a claim. The fact she was driving at the time seems irrelevant.
    Diary of a madman
    Walk the line again today
    Entries of confusion
    Dear diary, I'm here to stay
    • Nasqueron
    • By Nasqueron 16th Mar 17, 11:31 AM
    • 4,160 Posts
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    Nasqueron
    Why? She hasn't had any claims.

    Unless the question asks about accidents/incidents, if it only asks about claims then she can truthfully answer No - her husband had a claim. The fact she was driving at the time seems irrelevant.
    Originally posted by DoaM
    The question asks whether you have been involved in an incident, not whether you made a claim on your own policy. I have an incident on mine from 3 years ago where no claim was made just a notification - still asks if you have had an incident
    • Nasqueron
    • By Nasqueron 16th Mar 17, 11:32 AM
    • 4,160 Posts
    • 2,295 Thanks
    Nasqueron
    Why are you agonising over this? Your insurer already knows about the answers!


    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.
    Originally posted by Car 54
    Indeed, my other half had an incident where someone drove into her, they were at fault, full recovery of costs, still put my premium up as she's on my policy, would be more expensive to remove her regardless
    • Vini123
    • By Vini123 16th Mar 17, 6:08 PM
    • 100 Posts
    • 214 Thanks
    Vini123
    Unless the question asks about accidents/incidents, if it only asks about claims then she can truthfully answer No - her husband had a claim. The fact she was driving at the time seems irrelevant.
    Originally posted by DoaM
    I guess this is the top and bottom of it. Some providers word it differently, and whilst I know I will face an increased premium. Certain suppliers word it in such a way, that I could answer honestly, and not be lying.

    In the example provided above, Direct Line say have YOU been involved in an accident or claim in the last 3 years?. Yes, I have been involved in a claim.

    Aviva, says, have you been involved in an accident in the last 5 years? No, I have NOT been involved in an accident in the last 5 years.

    I don't want to risk voiding my insurance, so I think for peace of mind, I will renew over the phone this year. Whether I stay with my current provider or not.
    • motorguy
    • By motorguy 16th Mar 17, 6:44 PM
    • 14,669 Posts
    • 8,099 Thanks
    motorguy
    Why? She hasn't had any claims.

    Unless the question asks about accidents/incidents, if it only asks about claims then she can truthfully answer No - her husband had a claim. The fact she was driving at the time seems irrelevant.
    Originally posted by DoaM
    The fact that she was driving at the time IS VERY relevant.

    You're generally asked "any accidents, claims or convictions" - you cant honestly side step that by thinking "oh, well it wasnt in my car".
    Regards

    Paul
    • motorguy
    • By motorguy 16th Mar 17, 6:46 PM
    • 14,669 Posts
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    motorguy
    You could always phone your insurer/s for clarification.
    Originally posted by ilikewatch
    Clarification on what??

    "Has this driver had any claims in the last 5 years, and who was at fault?"

    YES, the drive has had a claim in the last five years, and his wife who was driving the car at the time was at fault.

    This doesnt seem terribly difficult to me?
    Regards

    Paul
    • ilikewatch
    • By ilikewatch 16th Mar 17, 7:29 PM
    • 959 Posts
    • 1,160 Thanks
    ilikewatch
    Clarification on what??
    Originally posted by motorguy
    On what OP needs to tell his insurer?

    The answer seems obvious to me too, but since OP seems to be struggling with it I thought that clear, factual direction from the person requesting the information might clarify the situation for him.
    • Sparx
    • By Sparx 16th Mar 17, 7:56 PM
    • 611 Posts
    • 337 Thanks
    Sparx
    Don't understand why this is so messy, the way I always read that Q is about the driver themselves. Not the policy or vehicle. So OP should be able to drop wife from his own policy, have nothing to declare and benefit from the low(ish) premium at renewal.

    The wife declares on her policy, that she has had an accident/claim. She will unfortunately see an increase in premium. Albeit I'm sure it also comes partly from your wallet as well OP anyway.
    • motorguy
    • By motorguy 16th Mar 17, 10:01 PM
    • 14,669 Posts
    • 8,099 Thanks
    motorguy
    On what OP needs to tell his insurer?

    The answer seems obvious to me too, but since OP seems to be struggling with it I thought that clear, factual direction from the person requesting the information might clarify the situation for him.
    Originally posted by ilikewatch
    My point was - like you i dont see how the O/P needs any clarification. He claimed of his insurance. Simples.

    Ringing the insurance company will only tell them what we've already said.
    Regards

    Paul
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