Does this affect both no claims bonuses?

Dinah93

Hi all,

We have two cars, both owned by me, and both insured in my name with my OH as a named driver. My main car has 6 years protected NCB with Bell (part of Admiral). The second car which is now OH's main car is insured with Diamond and has 0 years NCB as he moved to England from Ireland less than a year ago, and it was at that point we bought a second car here and took out a second policy. He is however main driver on the policy with Diamond as he drives that car more than me, however as I am the owner we found that it was cheaper to insure in my name and state him as main driver.

About 3 months ago my OH was in a car accident where he went into the back of a car when it braked suddenly on a straight stretch of road and he went into the back of it at about 10mph as he couldn't brake in time. Very little damage was caused, and OH states that the guys brake lights didn't work which is why he didn't notice him stop immediately. However that is sort of by the by as Diamond say it is too expensive to investigate so they have paid out.

However the big issue I have is that Diamond say this will count against my NCB with Bell. Given that I can't build up 6 years NCB on one car then split it so I have 6 years NCB on both, I don't think it is fair that because of an accident in one car both policies would loose their NCB. Can anyone please explain how they can take my 6 years NCB from a policy that is seperate from the car which was involved in the accident, has its own insurance, and built up the NCB seperately. Feel its very unfair to be honest that I pay out twice to build up NCB but only one thing has to happen to loose both the bonuses.

lisyloo

However the big issue I have is that Diamond say this will count against my NCB with Bell.

Are you sure they said exactly that?
One company cannot tell you what another will do.

Are you sure they didn't say something slightly different, like it might affect your premium? and you misunderstood it?

Diamond have no control over the NCB that Bell (another company) offer you.
I would expect your Bell NCB to be maintained.

However this does not mean your premium will remain unaffected.
Your premium before the discount could rise because of the accident, meaning the premium after the discount will also rise.
Are you sure they didn't say something along these lines?

Dinah93

No they said that the accident will affect the NCB on any other cars owned by our household notwithstanding protection. Now I'm allowed one accident in any 2 year period without loosing the Bell NCB so hopefully I won't have an accident and this won't matter, but I really don't feel that it ought to count against two policies which are not linked.

Quentin

You have been advised wrongly by Diamond, and should ignore what they have told you.

Your policies will explain what happens to your NCD in the event of any claim, and this will definitely only affect the policy which was claimed against (ie the Diamond one). So at renewal, that policy will have nil NCD, and you will have to start again on building that one's NCD.

Your NCD on your other policy with Bell is totally unaffected by all this.

Dinah93

Thanks Quentin thats what I hoped

gordikin

Would both insurance companies need to be informed at some point and would that result in increased premiums?

TighterThanTwoCoatsOfPain

Quentin - A questions really but could you ellobarate on your point to ensure the OP doesnt get the wrong impression.

Surely the OP will still need to advise Bell of the accident, which will in all likelihood increase their premium possibly considerably albeit keeping the same % (years) discount from the base price which will now be higher meaning an increase in premium.

I had an accident in a works vehicle a couple of years ago, and whilst my private car insurance NCB remained intact, I still faced a £200 per year increase in the first year having had a notifiable "incident" on a different policy. I was with Bell, my wifes insurance which i am a named driver on also increased slightly with Tesco.

lisyloo

Would both insurance companies need to be informed at some point and would that result in increased premiums?

First question - yes.
You have to declare any motoring claims against the driver.

Second question - it varies.
I had a fault claim last year and it did not affect my premium (I did quotes with zero claims and quote with one claim to directly compare). However I had full NCD protected so that could ahve been a factor.
It has however affected my motorcycle insurance although it was a car claim, but I don't have full NCD on the bike.
The rules are unclear and it probably varies on age, gender, NCD etc.
But quite often, yes the premium will increase.
It needs to be declared on all motoring policies on which he is a driver/rider as a "fault" claim against him.
Note this doesn't mean it's his fault but that his insurer had to pay and did not reclaims the money from a 3rd party. The wording is a bit emmotive and does not mean fault but indicates whether there was a payout.

Quentin

TighterThanTwoCoatsOfPain wrote: »

Quentin - A questions really but could you ellobarate on your point to ensure the OP doesnt get the wrong impression.

Surely the OP will still need to advise Bell of the accident, which will in all likelihood increase their premium possibly considerably albeit keeping the same % (years) discount from the base price which will now be higher meaning an increase in premium.

I had an accident in a works vehicle a couple of years ago, and whilst my private car insurance NCB remained intact, I still faced a £200 per year increase in the first year having had a notifiable "incident" on a different policy. I was with Bell, my wifes insurance which i am a named driver on also increased slightly with Tesco.

The wrong impression has been given by Diamond in telling the op the claim will affect all cars in the household's NCD is affected!

Bell may need to be informed of the incident, and the change to the driver's profile may result in a premium increase (but some policies only require this sort of info to be given at renewal, and if this is the case with Bell, then removing the driver from the policy at renewal would mean they need not be informed of the claim at all). (If they do require immediate notification, then removing the driver at renewal should mean the premium isn't affected by the claim).

shelly

Quentin wrote: »

Bell may need to be informed of the incident, and the change to the driver's profile may result in a premium increase (but some policies only require this sort of info to be given at renewal, and if this is the case with Bell, then removing the driver from the policy at renewal would mean they need not be informed of the claim at all). (If they do require immediate notification, then removing the driver at renewal should mean the premium isn't affected by the claim).

Can I ask you about the bit I have underlined?

These are just my thoughts so I am probably totally wrong but I ask so that I can understand better....

I would have assumed the OP would still have to declare the claim even if the named driver who had the accident is no longer on the policy.
When you get a quote you are asked as policy holder words to the effect of 'have you had any accidents, claims or losses in the last 5 years'
In my mind the OP would have to say yes because a claim has been made on one of her policies but then she would declare that it was a previously named driver who made a claim on the policy.


I am currently getting quotes for hubbys bike insurance. I am having to declare 3 car claims when asked the question mentioned above. I wasn't sure if I had to or not so called a couple of companies before using the comparison sites to clarify for me.
I have to declare the car claim I made and also 2 glass claims because the claims were made on his policy regardless of who was driving and who was to blame.

Like I said, I'm probably wrong and I'm happy to be corrected if so.

Quentin

No, the way it works is the policyholder declares claims caused when the vehicle is driven by the policyholder (not any named driver).

The named driver would declare the claim should they be taking out their own policy.