Open incident for named driver on my policy

Chris5281

Hi,

A couple of months ago my wife was involved in a very minor incident (her fault) in which she touched the car in front when queuing at a roundabout. She reported the incident to her insurers, but we've heard nothing since - I presume this is because the other party hasn't bothered to claim since the damage to both cars was almost imperceptible.

My own car insurance is coming up for renewal and my wife is a named driver on the policy. Given that this incident is still open, with no claims or formal determination of fault, do I have to declare it to my insurers at this stage?

I suspect the answer to the previous question is 'yes'. If this is the case, then if I declare the incident to my insurers, would that incident then become associated with my own insurance profile? In other words, is it something I would have to declare for the next five years, irregardless of whether my wife is a named driver or not? If so would it be more sensible to just take my wife's name off my policy at this stage? She drives my car very infrequently, and I would be happy for her to do so with the third party cover she gets with her own insurance.

Any advice much appreciated!

Chris

Quentin

You only have to declare this against your wife's history whilst she is a named driver on your policy. (ie If in the future you decide she is no longer to be a named driver, then you need no longer mention the incident)

Your idea of letting her drive your car using her doc cover may be a non starter.

Check her certificate and make sure that there is no restriction on driving a vehicle that is owned by her spouse (many insurers have this restriction)