renewing when you have had claim

Buzby

You can forget about switching - it invariably best to stick with the existing company until you can answer 'no' to a claim for the new company.

The fact remains, it was your policy that takes the hit - so the fact your daughter was driving is noted, but still remains a black mark for you. If she gets her own policy elsewhere, she will still have to declare the accident even though it was your policy claim and not hers.

Quentin

bryanb wrote: »

As I understand things, only the policyholder can make a claim.

This was how you "understand things":

bryanb wrote: »

If the question is have you made any claims, you must declare it. Presumably the claim is on your policy and daughter is a named driver? If so it is a claim by you not the named driver. Sorry if this is not what you want to hear.
Bengalknights is wrong.

But this is wrong advice.

Whilst the "guilty" driver remains on the policy, then the claim only gets disclosed as part of her history.

Following your misunderstanding of things would mean you would be disclosing 2 claims involving 2 drivers when there has only been the one!

bryanb

Quentin wrote: »

This was how you "understand things":



But this is wrong advice.

Whilst the "guilty" driver remains on the policy, then the claim only gets disclosed as part of her history.

Following your misunderstanding of things would mean you would be disclosing 2 claims involving 2 drivers when there has only been the one!

Not at all, following my system you answer the questions on a proposal absolutely correctly. ie Have you made a claim-Yes
Have you been involved in an accident or incident-No

Stooby2

The OP has made a claim on her insurance following a collision, regardless of who was driving. The insurance company asks "have YOU made any claims in the last five years" She will have to declare it for the 5 years (or however long) the company ask for.

The insurance company will then ask for details. Then she declares her daughter was driving the car and it was declared equal liability. It's up to the insurance company then if they decide to load the premium, especially if daughter is no longer on the policy.

This is a direct lift off the "Compare the Market Website" :-

Have you had any motor accidents or made any claims in the past five years?

It's asking if you, the policyholder have made any claims and in this case, yes she has.

The insurers now share information via the MIB database. If the OP were to claim again and the previous claim was discovered when it hadn't been disclosed, then she could be in all sorts of problems.

You can argue semantics of whether the daughter actually claimed or the OP - the insurers take the blunt view that the policyholder has made a claim, regardless of who was driving.

bryanb

Quentin, I write This is how I understand things to avoid being too confrontational. If yo want it laid out straight- YOU ARE WRONG!

Quentin

bryanb wrote: »

Not at all, following my system you answer the questions on a proposal absolutely correctly. ie Have you made a claim-Yes
Have you been involved in an accident or incident-No

Again you are wrong over this.

You don't get asked 2 questions!

You get asked something along the lines of:

Have you had any claims or accidents in the last x years

Stooby2

It depends on the insurer :-

Direct line don't mention accidents on the quote form :-

Have you made any claims in the past 3 years?

Admiral do :-

Do you have any accidents, losses, thefts, incidents or claims in the last 3 years (regardless of fault)

But to say

You don't get asked 2 questions!

is too general a statement. I have seen separate questions before and in any case it makes no difference. It says claims OR accidents, not both.

bryanb

Highway star, There is some good advice here and different opinions as ever. Please ask your insurance company for a definitive answer. If you go the wrong way it will have repercussions on any future claims, or perhaps result in a refusal to insure you.