Help settle an insurance claim 'discussion' at home please?

flashg67

Evening all,

In December 2014, my partner had a non fault accident as a named driver on my policy, in my car. The 3rd party admitted liability and the claim is satisfied in that respect.

Our renewals are both due in a couple of weeks, so when I did my new policy (I'm changing insurers), I put down that, yes, I'd had a claim, but that the driver was my partner.

However, when my partner does her renewal, does she put that she has had a claim herself, even though she claimed as a driver on my policy, or, does she put that it was me that made the claim, as I was the policyholder, IYSWIM?

I'm not trying to cheat anybody, and the cost is the same either way, but I don't want to fall foul of the rules if either of us does have to make a claim.

Cheers

arcon5

YOU declare a claim but no accident.
SHE declares an accident but no claim - unless she made a PI claim in which case that may change things.

But if the only claim was for the repair of your car then she hasn't made a claim, you have and you haven't had an accident to worry about declaring, just the fact you've made a claim.

Quentin

The correct way to disclose this (assuming she remains a named driver on your policy):


Your policy: Only declare this as part of her claim/loss history


Her policy: Only she declares this as part of her claim/loss history

arcon5

A claim and a loss aren't necessarily the same.

She's never made a claim. But has has a 'loss' in the form of an accident

Quentin

arcon5 wrote: »

A claim and a loss aren't necessarily the same.

They aren't the "same" which is why insurers ask about a driver's claim/loss history!

flashg67

arcon5 wrote: »

A claim and a loss aren't necessarily the same.

She's never made a claim. But has has a 'loss' in the form of an accident

The question asked is generally-
'in the last five years have you or any additional drivers suffered any accidents, claims or losses regardless of blame (whether covered by insurance or not)'

So I guess my answer for my policy is:- yes to a claim, but no to accident/loss and hers is:- yes to accident, no to claim/loss

Thanks for the input all

Quentin

If you follow your "guess" then you are disclosing 2 claims/losses when there has only been the one!

flashg67

Quentin wrote: »

If you follow your "guess" then you are disclosing 2 claims/losses when there has only been the one!

I did realise that - I even ran quotes with two claims and there was no difference!

I'm pretty sure I've sorted it by reading the wording carefully to check whether I'm agreeing to an accident or a claim!

Quentin

Your partner was the driver and made the claim. This is a single incident you need not disclose as long as she remains a named driver on your policy.

arcon5

Quentin wrote: »

Your partner was the driver and made the claim. This is a single incident you need not disclose as long as she remains a named driver on your policy.

Not sure this is correct.
Otherwise two claims would be declared, one her and one op as he's had a claim on his policy.

I'm certain ops right in:
HE: one claim no accidents
HER: one accident no claims

It wouldn't be logical for her to declare a claim, that logic would mean if a courier crashed a van covered by the companies policy then the company would be declaring the claim for 5 years as well as the driver declaring the claim on his own private policies.

I'm sure the person declaring the claim is infact the beneficiary.

Quentin

arcon5 wrote: »

Not sure this is correct.
Otherwise two claims would be declared, one her and one op as he's had a claim on his policy.

I'm certain ops right in:
HE: one claim no accidents
HER: one accident no claims

It wouldn't be logical for her to declare a claim, that logic would mean if a courier crashed a van covered by the companies policy then the company would be declaring the claim for 5 years as well as the driver declaring the claim on his own private policies.

I'm sure the person declaring the claim is infact the beneficiary.

For the purpose of declaration, an incident needs only to be declared against the history of the driver concerned. As long as the driver remains covered by the policy then the incident/claim is part of her history.


To do it your (wrong) way, both the driver (who was involved and made a claim) and the policyholder (who is incident free) are ending up with an incident in their history when only one of them was involved.