When do I need to tell the insurers?

thegirlintheattic

OH has had a little bump this morning. OH was driving his car on his policy but is also named on my policy.

I've gone to check my policy to see when I need to let the insurers and am confused. Here's what my policy says:

Under Please Tell Us Immediately:
if you or any driver named on your policy, are involved in an accident or loss, no matter how trivial and even if you do not wish to make a claim

but also under Please tell us when you renew:
of any accident, theft or loss regardless of fault that you or any driver on your policy have made, excluding any claims made under this policy

So do I tell them now or wait till renewal?

Also if it's going to force my premium up can I just remove him from my policy and just pay the admin charge rather than paying any increased premium?

Mr_Thrifty

Best tell them, just to be on the safe side.

Meadows

thegirlintheattic wrote: »

OH has had a little bump this morning. OH was driving his car on his policy but is also named on my policy.
I've gone to check my policy to see when I need to let the insurers and am confused. Here's what my policy says:

Under Please Tell Us Immediately:
if you or any driver named on your policy, are involved in an accident or loss, no matter how trivial and even if you do not wish to make a claim

but also under Please tell us when you renew:
of any accident, theft or loss regardless of fault that you or any driver on your policy have made, excluding any claims made under this policy.
So do I tell them now or wait till renewal?
Also if it's going to force my premium up can I just remove him from my policy and just pay the admin charge rather than paying any increased premium?

You could remove him now and take a chance or tell them and say you want him removed from your policy as you do not want to be penalised and that any claims will be made against his other insurance.

If you just opt to remove there may be no issue or it might come back to bite you. Insurance companies talk to each other and if they find you did not tell them it could go against you.

Honesty is always the best policy, but ultimately this has to be for you to decide.

bryanb

I don't know when to tell them, but it's too late to avoid it by removing him from your policy. The incident has already happened whilst he is insured to drive your's.

thegirlintheattic

I didn't mean remove him without telling them about the accident, I meant remove him after I tell them without it affecting my NCD. I don't lie to insurers.

My question was when I tell the insurers because the policy document is not clear - I read it that if claims were against another policy tell them at renewal, like you would for convictions.

Meadows

thegirlintheattic wrote: »

I didn't mean remove him without telling them about the accident, I meant remove him after I tell them without it affecting my NCD. I don't lie to insurers.
My question was when I tell the insurers because the policy document is not clear - I read it that if claims were against another policy tell them at renewal, like you would for convictions.

If in doubt phone them up, they are the best ones to talk to.

But it does say clearly Under Please Tell Us Immediately:
if you or any driver named on your policy, are involved in an accident or loss, no matter how trivial and even if you do not wish to make a claim.

The other bit is a reminder that at renewal you are to inform them of any any accident, theft or loss regardless of fault that you or any driver on your policy have made.

Quentin

thegirlintheattic wrote: »

I didn't mean remove him without telling them about the accident, I meant remove him after I tell them without it affecting my NCD. I don't lie to insurers.

My question was when I tell the insurers because the policy document is not clear - I read it that if claims were against another policy tell them at renewal, like you would for convictions.

You only need to tell them immediately about anythong that could result in a claim against the policy.

You can wait till renewal to report this incident.

Whenever you tell them, the incident won't have any impact whatsoever on your NCD.

thegirlintheattic

Thanks Quentin, that's what I wanted to know.

Will probably call to check with insurers later to be on the safe side.

Quentin

thegirlintheattic wrote: »

Will probably call to check with insurers later to be on the safe side.

Take care over this, as informing them mid term may set off an admin charge for a mid term change!

Despite the conflicting advice in this thread, your policy wording isn't ambiguous. You only need to report ommediately any incident that could result in a claim on your policy!

Notmyrealname

thegirlintheattic wrote: »

I didn't mean remove him without telling them about the accident, I meant remove him after I tell them without it affecting my NCD. I don't lie to insurers.

Your NCD will be affected. He had the bump in your car. The claim will go to your insurers.

The only way not to have the claim would be if he was not a named driver. The claim would go to you as the registered keeper and then passed onto his insurer. However that particular horse has now bolted.

You cannot be a named driver on a car and also be covered on that car by your own policy under "driving other vehicles".

thegirlintheattic

Read the OP. It was in HIS car not mine, which is covered under HIS policy which is the one he is claiming on.

My question was because he is also a NAMED DRIVER on MY car. Which means at some point I need to tell them that his driving history has changed.