new car insurance

Fiver55

We are a two car household with insurance in my partner's name for both cars with the same company and protected no claims. We have just received a renewal quote for our smaller car and when talking to the insurers they mentioned that we had made a claim last year. I knew this was not the case and said so. It then turned out that this related to an accident my partner had in our other car. I later spoke to another company who had given us a cheaper quote and I queried with them whether any accident in our other car, which was not insured by them, would make a difference to the quote. They confirmed this was so and immediately upped the quote by a further £30. I find this extremely unfair, not to mention very crafty, as I assume that, if my partner were to decide to take out this company's insurance as well for the other car, he would have to disclose the accident and, again, the premum would go up, therefore, the company would have penalised us twice. Is it legal for them to raise the premium when you have had no accidents in the car being insured. Also, would it have made a difference if I had taken out the policy, not my partner, which we had done in previous years? I doubt most customers are aware of this. How does it work?

Quote

It's legal. I doubt it would have made much difference. What you doubt doesn't make much difference. I'm afraid you'll just have to bite the bullet.

A claim is a claim. Insurers are about claims. If you or your partner have had a claim it has to be disclosed on every motor policy, why do you imagine it wouldn't?

mancitychick

Surely it would be better for your husband to insure one car and you the other. That why you will build up ncd to use on each car. Whereas at present you will surely only be getting a ncd on one of the policies as your husband can't use any ncd he may have on 2 policies.

Quote

mancitychick wrote: »

Surely it would be better for your husband to insure one car and you the other. That why you will build up ncd to use on each car. Whereas at present you will surely only be getting a ncd on one of the policies as your husband can't use any ncd he may have on 2 policies.

Pretty presumptuous. We don't know if the OP is male or female, let alone married.

Probably best not to make this more complicated than it needs to be, yeah?

mikey72

mancitychick wrote: »

Surely it would be better for your husband to insure one car and you the other. That why you will build up ncd to use on each car. Whereas at present you will surely only be getting a ncd on one of the policies as your husband can't use any ncd he may have on 2 policies.

Two independent policies will give two independent ncd.

BlueC

mikey72 wrote: »

Two independent policies will give two independent ncd.

ncd is irrelevant: if any named driver has had a claim in the past X years then they are going to load the premium accordingly, regardless of ncd.

i don't understand the OP's problem - it is just how insurance works. one of the insured made a claim so they are classed as a higher risk hence the premium goes up. it is entirely irrelevant whether that claim was on a different car or policy.

mikey72

BlueC wrote: »

ncd is irrelevant: if any named driver has had a claim in the past X years then they are going to load the premium accordingly, regardless of ncd.

i don't understand the OP's problem - it is just how insurance works. one of the insured made a claim so they are classed as a higher risk hence the premium goes up. it is entirely irrelevant whether that claim was on a different car or policy.

I've got two cars with two full ncd running, I'd be thinking it's relevant.
But I think you have misunderstood my post, it was to mancitychick, not the op.

mancitychick

mikey72 wrote: »

Two independent policies will give two independent ncd.

I stand corrected, sorry.