Named driver on another car do I have to disclose a claim??

madhouse77

Me and my wife have our own cars and are named drivers on each others policies.
Last year my wife's car had its drivers door damaged by it seems a lorry or can while being parked in our designated parking space close to our house.
My wife claimed on insurance to get this fixed (her 1st claim in 33years of driving) 
I have just renewed my car insurance for the year £200, now the insurance company has come back to me saying I never told them about this claim and my policy has gone up to £375!! 
Can they do this? I wasn't driving and only a named driver, is this good grounds to nearly double my insurance?

JGB1955

You will have been asked if either you or your wife have made a claim in the last (5?) years.  The answer is 'Yes'.  It's your wife's claim that has increased your premium.

madhouse77

JGB1955 said:

You will have been asked if either you or your wife have made a claim in the last (5?) years.  The answer is 'Yes'.  It's your wife's claim that has increased your premium.

Is it because my wife is a named driver on my policy? So if I take her off it should go back down again.

wongataa

madhouse77 said:

JGB1955 said:

You will have been asked if either you or your wife have made a claim in the last (5?) years.  The answer is 'Yes'.  It's your wife's claim that has increased your premium.

Is it because my wife is a named driver on my policy?

Yes.

All insurance companies will ask if the main and named drivers have made any claims or had any claims made against them in the previous (usually) five years.

madhouse77 said:

So if I take her off it should go back down again.

Ask your insurance company.

madhouse77

Thank you 

dunstonh

So if I take her off it should go back down again.

It may remove any loading due to the claim but it may increase the premium because its just in your name (spouses included often reduces the premium a little).  Plus, there may be an admin charge for doing this.  Indeed, your increase may already include that.

Its also possible that the increase includes a risk increase due to non-disclosure of a material fact on your part.  That won't go away in the short term.

Can they do this? I wasn't driving and only a named driver, is this good grounds to nearly double my insurance?

You are lucky that is all they are doing.   They could have played hardball and voided the policy due to you taking it out on false information.  The consequences of that are far more damaging.

[Deleted User]

My partner was involved in an accident - someone jumped a give way and went into her, I declared the incident and yes my costs went up, I joked with the agent that I should remove her to save money and they pointed out that it was still cheaper with her on with the accident declared than just me!

TELLIT01

The question is generally along the lines of "Has any person who will be driving the vehicle been involved in an accident in the past x years".  They often don't even ask if the driver was at fault.

Redredrobin

I had two non fault claims that the third party insurance paid out on , although my insurance never went up my husband’s did by almost £200 so I removed my name at renewal time .