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Car Insurance renewal quote - unfair terms

This seems so unfair that I felt I must check it with the experts here to see if it is actually true.

My wife recently had an incident while at work when an uninsured driver ran into the back of the work car she was driving, admitted liability and then gave false details and was untraceable (even the car reg was false).

Now I am seeking insurance renewal quotes on my car, on which my wife is a named driver, and being told that my quote is being loaded by around £150 because of that incident.

I can't see how I should have to pay extra on my premium because some 'person' ran into the work car my wife was driving (not her fault), and insured by the organisation my wife works for (so not my policy either).

Is this correct?

I suppose now that I have been honest with my quote seeking this incident info will now be shared elsewhere...

Any thoughts?

Thanks in anticipation

Comments

  • molerat
    molerat Posts: 32,855 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Statistics show that once a driver has been involved in an accident, at fault or not, they are more likely to be in another. If you failed to declare the incident and the insurers found out, by matching your named driver with the accident database, they could void the policy and then you are marked for life.
  • Quentin
    Quentin Posts: 40,405 Forumite
    andyb000 wrote: »

    I can't see how I should have to pay extra on my premium because some 'person' ran into the work car my wife was driving (not her fault), and insured by the organisation my wife works for (so not my policy either).

    Is this correct?

    I suppose now that I have been honest with my quote seeking this incident info will now be shared elsewhere...

    Any thoughts?


    It is correct that any new claim in any driver's history can adversely affect future premiums (especially when the claim is a "fault" one which this appears to be - ie the insurer had to pay out and could not reclaim their outlay)


    Yes your wife's claim will need to be reported to all insurers where she has cover or asks for quotes (either as policyholder or named driver) over the next 3/5 years depending on how long a history is asked for.


    (You could minimise the cost of this issue to yourself by taking her off your policy)


    And do shop round to see if all insurers treat this as a £150 increase.
  • Quentin wrote: »
    ..


    And do shop round to see if all insurers treat this as a £150 increase.

    Thanks Quentin - have Compared the Meerkats after telling them the details and have come up with three quotes that (although slightly more than I'm paying at the mo) are still seriously cheaper than my current company wanted to renew for after taking into account The Incident.

    So will be looking at these further...

    Cheers
  • andyb000 wrote: »
    This seems so unfair that I felt I must check it with the experts here to see if it is actually true.

    My wife recently had an incident while at work when an uninsured driver ran into the back of the work car she was driving, admitted liability and then gave false details and was untraceable (even the car reg was false).

    Now I am seeking insurance renewal quotes on my car, on which my wife is a named driver, and being told that my quote is being loaded by around £150 because of that incident.

    I can't see how I should have to pay extra on my premium because some 'person' ran into the work car my wife was driving (not her fault), and insured by the organisation my wife works for (so not my policy either).

    Is this correct?

    I suppose now that I have been honest with my quote seeking this incident info will now be shared elsewhere...

    Any thoughts?

    Thanks in anticipation


    Your wife didn't own the vehicle, she didn't insure it, she didn't make a claim, the incident was not her fault. How do the insurance companies know about this? Was there a record of this incident on the CUE database or did you just declare it when renewing?


    Statistics show ..... has anyone ever seen these statistics, I wonder?
  • dacouch
    dacouch Posts: 21,637 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    GingerBob wrote: »
    Your wife didn't own the vehicle, she didn't insure it, she didn't make a claim, the incident was not her fault. How do the insurance companies know about this? Was there a record of this incident on the CUE database or did you just declare it when renewing?


    Statistics show ..... has anyone ever seen these statistics, I wonder?

    She had an accident.

    The third party drove into her while she was driving a car.

    All Insurers ask if you have been involved in an accident
  • dacouch wrote: »
    She had an accident.

    The third party drove into her while she was driving a car.

    All Insurers ask if you have been involved in an accident

    When I was taking a law unit at college my lecturer instilled into us that Insurance Companies are among the few entities 'you must never understate the truth to - they are the masters of the get-out clause'...

    ...so if the guy on the end of the phone asks the direct line of questioning a direct (and truthful) answer should be given.

    That question was asked - the rest has now become history :(
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