Confusion about declaring incident

Quentin

EdGasket wrote: »

That doesn't make sense....

I have added in 2 words ("per policy") to post #4.


Hope it makes better sense???

EdGasket

Quentin wrote: »

I have added in 2 words ("per policy") to post #4.


Hope it makes better sense???

Yes thanks; not that I like the answer any better though.

wba31

bowlhead99 wrote: »

That sounds perfectly normal, if you have accidents where you are at fault, your premiums will increase. They assess that you are a riskier driver than me who didn't have an accident when taking my wife's car to the garage, so I get the standard price and you get a higher price.

As an aside, you have not claimed on the policy on your car and so whether or not you have paid extra to protect the no claims bonus on your car, you will still get your discount on your car because the policy has had no claims. The reward for no claims on a policy is an increasing level of discount every year (to a point where it plateaus).
Makes sense that as a claim goes through her insurance policy then she will lose no claims bonus if she didn't pay to protect it. After all, you don't lose your no claims because you didn't claim against your insurance policy; she claimed against hers so she does.

If she is shopping for new insurance for her own car and is asked have you had any accidents or claims in last few years and how expensive were they, then clearly she is going to have to say yes I had to claim on a previous policy because one of my family members crashed my car and I didn't want to fix everything myself out of my own pocket - so it caused my insurer to have to pay out £5000.


The way to not have your mistakes mess up her policy is not to be a named driver on her policy - have her be the only named driver and perhaps just you driving her car occasionally via an extension of the third party coverage on your own insurance policy. Then if you screw up, she's fine. However if you want comprehensive cover when driving her car and you want her insurers to pay out for your accidents, then clearly she is going to get a reputation for making claims on her policy when she has to claim on her policy for your accidents.

Does that make it any less confusing?

Perfectly, in the current system! but my opinion is that only i should be penalised, not my wife (what if we broke up?!?) i guess though that could only be done if the whole system was overhauled, whereas I could buy insurance to cover me, and list on the cars i wish to drive (that affects price), rather than insuring the car, and adding drivers on. So it will never be not how you have described