2 car insurance policies - Help for the love of god!

nadeembutt786

I need some help

In the past, i have had 2 car insurance policies. Both of them I have been the policyholder

First policy i have no claims and 4 years NCB , I have been the policyholder and main driver, the other policy I have 2 years NCB and then a previous claim in 2016 non-fault. I have been the policyholder but wife was the main driver.

I am insuring 2 x new cars, first car i will be main driver and policyholder (will be using the 4 years NCB) and the second car the wife will be the policy holder and will be main driver (as i understand it i will need to start from the beginning with her in regards to NCB) but do i have to disclose the claim in both of the new insurance policies or just one?

Am i making sense?

SamDude

Yes you need to disclose on both.

nadeembutt786

even if my wife was not even the driver when the claim happened?

rudekid48

nadeembutt786 wrote: »

even if my wife was not even the driver when the claim happened?

Policy 1 (in your name) - declare accident for policyholder (i.e. you)
Policy 2 (in wifes name) - declare accident for additional driver (i.e. you)

nadeembutt786

i wont be the additional driver on her policy

rudekid48

nadeembutt786 wrote: »

i wont be the additional driver on her policy

In that case (assuming that you were the driver involved in the claim) then you would not need to declare it on your wifes policy..

trailingspouse

It's a shame your wife didn't insure her car in her own name from the get-go - you now have more NCD than you know what to do with, and she has none, which is daft.

Having said that, most insurers will offer an introductory bonus of around 30% to people who have been named drivers on someone else's policy but are now buying insurance in their own name.

It's interesting that you say 'I will have to start again from the beginning with her as regards NCD' - no, she will have to start again from the beginning. It will be her policy, in her name.

nadeembutt786

Unfortunately, MY finances couldn't stretch to paying for her policy

In hindsight it would have been cheaper.

nadeembutt786

apologies for being thick but even though i am not insuring the new car against the policy in which i had the claim in, i still need to disclose it?

I was under the assumption that i had 4 years NCB and had no claims under that policy, or does it not work like that, you need to disclose all claims under all policies?

mattk_180

Yes you will need to disclose the claim under all policies where you are the named driver.


If the claim was in the other car then it won't affect your 4 years but it still has to be noted under your driving history.