Do I declare a claim on my insurance or my wife's?

thorpette

Hi there,

I am currently in the process of renewing my car insurance, but I'm a bit confused about how I should input some of the information, and was hoping someone out there could offer a bit of advice.

I was driving my wife's car last year when a van drove into the back of me. Everything has been sorted with regards to the claim, but I'm not sure if I should declare it on my renewal because I was driving, or whether my wife should declare I on hers because it is her car?

Hopefully someone can help. If you need any more info, then just ask.

Thanks in advance.

Quentin

You need to declare it on both.

On your policy you disclose it as a claim, and your wife discloses it against your history (assuming you are a named driver on her policy)

thorpette

Thanks Quentin.

I've updated my renewal details, and it's added £70 onto my cheapest quote, even though the accident was not my fault!

Do you know if this is correct, and if there's is anyway to reduce this?

InsideInsurance

Assuming you've entered the details correctly then it is correct.

Some insurers dont like anyone that has made a claim irrespective of fault and likewise some insurer dont like people who "forget" to mention something critical like a claim and so load secondary quotes just in case you've "forgotten" anything else - hence why when playing with getting quotes its always worth using dummy details to avoid being caught in counter fraud mechanisms/ loadings

Quentin

The claim has altered your profile hence the premium loading.

If you have done your shopping round thoroughly there's not a lot you can do.

(Have you checked out the cashback sites ?)

thenudeone

You can try to claim the extra cost from the van driver's insurers, but you'd probably need to have quotes with and without the claim to prove your "loss" (using dummy names and dob otherwise the insurer's systems may think something untoward is going on)

Some people report success doing this, but I imagine it would take some persistance.

Don't forget it will cost more for 3-5 years (which is how long insurers usually ask for claims history)