Claims history - named driver or policyholder

teknicad

Hi, I am looking for a bit of additional clarification regarding the future declaration of a claim made by a named driver. I have searched the forum, and found some good references, but I wonder if anyone could confirm that I have got this right.


My wife and I have a car each, and have our own policy for each car, with the other half as a named driver. Both have full NCD that is protected.


Last year, my wife was using my car, parked it outside a shop where someone reversed into it causing damage. The third party owned up, accepted responsibility, and my insurance company recovered the full cost and logged a no-fault claim.


On renewal of my own policy with the same company, they have listed the no-fault claim under my wifes details in the named driver section (which I imagine is correct)

On my wifes own policy renewal, she has declared the claim under her own name. Mt understainding is that this is correct - we must always declare the claim, and if she is named in the policy (either as the policyholder or as a named driver) it is declared under her name. But it only needs to be declared once on each policy.

I assume we continue in this way, as long as we are both on each others policies. I also understand that if in the future I remove my wife as a named driver on my own policy, I would the need to mention that claim, so it would go under my own claim details (as it still needs to be declared somewhere).

Have I got this right? It means that the no-fault claim is always declared, and if my wife is listed as a driver in either policy, it appears under her name.

Is there any clear guidelines for this, or a generally accepted way to list the details?

Thanks.

Quentin

You have got it right.

lisyloo

After 3 years you might it better to look for companies that only take 3 years claims into consideration and not 5.
One of those is Sheilas Wheels (also may apply to esure who are the same group/company). That's not a recommendation just one I know of, there are almost certainly others.
Just be aware that there is a difference in the amount of time you have to declare the claim for between companies.
If it is a single non-fault recovered claim, then it shoudn't have a big effec ton your premium provided it's the only claim.

teknicad

Thanks for the responses. It hasn't made much difference to the policy costs (as far as I can tell, it's gone up, but only perhaps what I would expect in the current climate), and it's a no-fault claim anyway.

Just wanted to make sure I was declaring it the correct way.

Useful point about the 3 year / 5 year difference, always worth checking.

Thanks again, much appreciated.

InsideInsurance

You are correct in saying that you need to declare the claim on both policies whilst your wife is covered by both but I would disagree that you would need to continue to declare it on yours if you were to remove her as a named driver.

She has made the claim as the named driver not you as the policyholder and therefore there is no obligation to declare claims made by named drivers if they are no longer to be covered by the policy.