Disclosing claims - help needed!

Arbie

I presently own 2 cars, both with maximum protected NCB. My other half also owns a car on which I'm a registered driver, on which she has 5 years protected NCB. Last December I crashed her car (I was at fault); and claimed through her insurance. My question is, do I have to declare that accident to my insurers now that I'm renewing my own policy, even though I in person have never made a claim? As a secondary issue, her insurance renewal has just come in, but £25 (about 8%) more expensive than last years...have other people generally found their premiums rising? Also, on her renewal, it states that we both had a claim in the last year for th incident in which I was involved - surely this is erroneous?

Thanks!

Arbie

dogbot

My question is, do I have to declare that accident to my insurers now that I'm renewing my own policy, even though I in person have never made a claim?

Yes, you must declare it.

As a secondary issue, her insurance renewal has just come in, but £25 (about 8%) more expensive than last years...have other people generally found their premiums rising?[/QUOTE]

A claim was made, of course the premium will rise - you will be seen as more risky.

As an aside, motor premiums are rising accross the board since they have been much under priced for a number of years and claims inflation for hire and litigation continues to accelerate faster than general inflation. £25 seems very low given the claim.

Also, on her renewal, it states that we both had a claim in the last year for th incident in which I was involved - surely this is erroneous?

Not sure what this means as of course can't see the exact wording. It is worth pointing out that you had the incident and she made the claims because she is the policy holder. A claim on a policy is a claim on a policy, regardless of who is at fault. They could just be marking the fact that you are at fault and that she has had a mark against her (albeit protected) NCD?