Not accepted as named driver

AlecEiffel

Hi all.

My recent insurance history is poor.

I had been driving for ten plus years with no incidents but then had a spate of incidents in a year, with two fault claims (relatively minor) and two non-fault claims.

The two fault claims and the first non fault claim were on my own insurance (though the non-fault was fully recovered from the third party). That non-fault claim wrote off my car.

Whilst car-less I borrowed my Mum's car periodically as a named driver on her insurance. Whilst driving her car I was rear ended in stationary traffic. The third party accepted liability and my Mum's insurance company passed it to a claims management company to sort it all.

After this was done and dusted I purchased a car of my own and obviously got insured. This wasn't a problem despite my recent history though my premium is a bit fat and my excess is fairly high, though not eye watering.

My wife recently tried to add me on to her car insurance as a named driver to cover a holiday trip (my car does more miles on a weekly basis so we wanted to use hers). Her insurance company wouldn't agree to this due to my recent history. The lady my wife spoke to said it was policy to not provide temporary driver status to people with three or more claims.

So anyway, my question is - does this count as an insurance refusal when it comes to me changing/renewing my own insurance in the future? My own policy is still running with no incidents since I took it out. The refusal wasn't for a policy in my name, but I'm obviously concerned as in the insurance world everything has to be fully above board.

My licence is clean.

Thanks for any input.

raskazz

AlecEiffel wrote: »

So anyway, my question is - does this count as an insurance refusal when it comes to me changing/renewing my own insurance in the future?

Short answer - no. They just can't quote for your details.

AlecEiffel

Many thanks for your reply. So this is essentially an "unable to quote" due to the fact that I fall outside of their parameters, rather then an actual refusal?