Car Insurance NCD query

bbsirdar

I have separately built up full NCD on two cars.  Both have always been in my name with my wife as a named driver.  Recently we have had both cars insured separately with Direct Line.  Last Autumn my wife had a minor bump in one of the cars and we claimed on the insurance.  I lost 3 years of no claims and my premium went up (significantly) on that policy, no qualms with that.  At the renewal of the second car, Direct Line listed me as full no claims (9 years) although the renewal did still go up up.  Question is if you have build up two no claims bonuses separately, do you lose them both with one single claim?

Second one if I may.  On these price comparison search engines, if I search for new insurance, we seem to get double hit for the same event.

Me …….."Have you had any accidents or claims in the last 5 years" ...yes, as I claimed on my insurance for her bump.  And off it goes when, how much etc etc.  Then when I enter my Wife's details as a named driver "Has she had any accidents or claims in the last 5 years".....yes, she had the same accident, and of it goes.  Looks like we had two events when we only had one.  Do you just assign the event to the one driver or do you effectively report it twice?     

   

DrEskimo

Why do you have two separate policies with her as a named driver? Are you the main driver on both cars?
I'm struggling to get my head around how that would be the case?

bbsirdar

Yep I’m the main driver on both cars.  One is a 4x4 for towing and one is a daily driver.  I tend to default as driver when out together but she will drive either when required 

rs65

bbsirdar said:

  Question is if you have build up two no claims bonuses separately, do you lose them both with one single claim?

  Do you just assign the event to the one driver or do you effectively report it twice?     

   

1.  No
2. Attach to the driver who had the accident (unless she's not included then attach to the policyholder)

victor2

Your wife is now deemed to be a higher risk, so any policy she is a named driver on will have a higher premium. NCD doesn't protect you against premium increases, just gives you a better % discount on the policy against which there was no claim.

bbsirdar

Thanks for the reply’s - On, for example Moneysupermarket - When answering the question as policy holder it asks - have you had any accidents or claims in the less 5 years - yes/no.  When you hit yes it doesn’t give you the option to say you weren’t the driver.  The drop down only lets you chose what happened and I go down as at fault collision with 3rd party no injury, I wasn’t even there!  Then when we add my wife as the named driver, I have to declare the same accident for her and she goes down as at fault collision with 3rd party with no injuries.  In the summary it shows us having had 2 collisions. If I delete from one or other of us the premium goes down but the number of accidents we had stays the same!

flashg67

I'd select 'no' acidents for you then 'yes' for your wife when you get to the 'add a driver' bit - that's how I did it when my partner had a bump as a named driver on my car

bbsirdar

flashg67 said:

I'd select 'no' acidents for you then 'yes' for your wife when you get to the 'add a driver' bit - that's how I did it when my partner had a bump as a named driver on my car

Trouble with that is the question is “have you had any accidents or claims in last 5 years” I claimed on my insurance for her accident so I have to answer yes.  

AdrianC

bbsirdar said:

I have separately built up full NCD on two cars.  Both have always been in my name with my wife as a named driver.  Recently we have had both cars insured separately with Direct Line.  Last Autumn my wife had a minor bump in one of the cars and we claimed on the insurance.  I lost 3 years of no claims and my premium went up (significantly) on that policy, no qualms with that.  At the renewal of the second car, Direct Line listed me as full no claims (9 years) although the renewal did still go up up.  Question is if you have build up two no claims bonuses separately, do you lose them both with one single claim?

No, it's correct. You only lose the NCB on the policy that you claimed from.

Second one if I may.  On these price comparison search engines, if I search for new insurance, we seem to get double hit for the same event.

Me …….."Have you had any accidents or claims in the last 5 years" ...yes, as I claimed on my insurance for her bump.  And off it goes when, how much etc etc.  Then when I enter my Wife's details as a named driver "Has she had any accidents or claims in the last 5 years".....yes, she had the same accident, and of it goes.  Looks like we had two events when we only had one.  Do you just assign the event to the one driver or do you effectively report it twice?

But it's accurate...
Your policy was claimed from.
Your wife had a collision.

Yes, it's the same event - and the quote should take account of that. If you're in any doubt, phone the insurers rather than relying on Metal Mickey's pet meerkat.