Asked this before but didn't get a clear answer?

sho_me_da_money

When completing the details on Moneysupermarket.com, there is a section that says "any claims you have made in the last 5 years".

This section requires completion when entering the details for the Main Driver AND Named Driver.

To cut a long story short, my wife (policyholder) owned a Micra and I (named driver) had an accident where the car was written off.

This time round we own a Yaris and I am the policyholder and she is the named driver.

When I fill out the comparison quote, do I enter the accident details under both sections of the form? or just one?

Part of the section also asks "At Fault, Not At Fault etc".

So which one is it:

1. Under my details - YES made a claim and At fault
2. Under my details - No not made a claim
3. Under wifeys details - Yes made a claim and not at fault (since I did it)
4. Under wifeys details - No not made a claim
5. Under both details - Yes made a claim and place "at fault" under my section and place "not at fault" under wifey's section

Really appreciate your time and help guys,

Thanks,

Quentin

You only need to declare this under your own details. If the write off was your fault, or you were partially at fault you need to say so. If the insurer was reimbursed by a third party in full, then it was the third party's fault.

sho_me_da_money

Quentin wrote: »

You only need to declare this under your own details. If the write off was your fault, or you were partially at fault you need to say so. If the insurer was reimbursed by a third party in full, then it was the third party's fault.

The accident was as a result of me leaving the hand brake off. The car was parked on the 6th level of a multi-storey car park when it rolled backwards down a ramp to the 5th floor and smashed into a concrete beam.

I would say that makes it fully my fault.

Last year, when I completed the MoneySuperMarket,com form, I entered these accident details under both sections. I wonder if I f***ed up by doing that and ending up paying a higher premium as a result of it. Doh!

sho_me_da_money

Last thing, my mum has been driving for many years and even though she hasn't had any accidents, some of the named drivers on her policy have.

If I was to add my mother to my current policy as a named driver, the form asks me for the same details as outlined in my original post. Do I basically put no claims made? similar to my wife? or do I say YES claims have been made?

Thanks

Quentin

Yes, in your Mum's case you would need to declare any claims she made on her policy (even though they were as a result of named drivers being at the wheel).

sho_me_da_money

Quentin wrote: »

Yes, in your Mum's case you would need to declare any claims she made on her policy (even though they were as a result of named drivers being at the wheel).

Quent, if that is the case, then how comes I don't do the same when completing the details for my wife's named driver section?

Technically she made the claim as she was the policyholder on the car and I was the named driver who had the accident (but didn't make the claim).

Gandalfthesecond

In simple terms you have had an accident and your wife has had a claim, so that's what you tell the insurance.

Quentin

sho_me_da_money wrote: »

Quent, if that is the case, then how comes I don't do the same when completing the details for my wife's named driver section?

Technically she made the claim as she was the policyholder on the car and I was the named driver who had the accident (but didn't make the claim).

Because you have already declared the claim (correctly) as part of your own driving history.

sho_me_da_money

Gandalfthesecond wrote: »

In simple terms you have had an accident and your wife has had a claim, so that's what you tell the insurance.

If that is the case, wouldn't that mean I need to declare the accident when completing the wife's details as she was the policyholder of the previous vehicle and made the claim? and not my section.

The question says - Have they made any car insurance claims in the last 5 years? That would technically apply as a YES under both our details right?

But what Im being told is declare the accident as YES under my details and say NO when completing my wifes details even though she made the claim as sthe policyholder of the car that was written off.

Gandalfthesecond

You haven't had a claim you've has an at fault collision.

She made the claim.

mikey72

I don't think you'll get a clear answer as we don't agree.
You should declare an accident.
Your wife should declare a claim.
If your mil has made a claim for the named drivers, she should declare a claim (or claims) as well.

Anything else could come back and bite you.
A broker would be a good idea to see if they can get you a better quote.