Two cars, Two insurance policies, bumped one of the cars

sseshield

My wife has bumped one of our cars in the driveway and the front wing is going to need replacing.

We have 2 cars. Both are insured in my name. I have 1 year no claims on the car that was bumped (no claims made before) and our other policy has 10 years no claims. If i claim on insurance will it affect my other policy when due for renewal where i have 10 years no claims? 

jimjames

You'll need to declare it when you're asked the question have you had any claims but it won't impact your NCB.

You may find it cheaper to replace the wing outside of insurance depending on excess. I had new wing supplied and fitted for £250, admittedly a couple of years ago but even with a bit of increase it might still be a cheaper option

mgfvvc

sseshield said:

We have 2 cars. Both are insured in my name. I have 1 year no claims on the car that was bumped (no claims made before) and our other policy has 10 years no claims. If i claim on insurance will it affect my other policy when due for renewal where i have 10 years no claims? 

Yes, it will affect the other policy, but it will not reduce the NCB on the policy. The underlying premium will be increased, but you will still get the full discount, albeit on a higher premium.

Ant555

sseshield said:

 If i claim on insurance will it affect my other policy when due for renewal where i have 10 years no claims? 

If you claim then it may not affect the NCB discount applied but could affect the renewal premium itself as you will have to declare the claim - I think the wording is something like "does any driver to be covered on this policy have any claims (whether at fault or not) or convictions in the past x years"  You may still get 60% discount but it could be 60% off £500 or 60% off a newly increased £600 premium.

There are people that have posted here that say declaring a no fault claim has had little or no effect on their renewal price when on comparison sites.

If a third party was involved or you had hit someone elses wall/building then it would be 100% wise to report to insurer as there may be a claim against you but in this case it depends on whether you determine it as a reportable 'accident'
Your car, minor scrape, your driveway - sounds like no third party liability or claim would ever hit your insurance Co.

If it were me and it was cheap enough to pay for the repair myself then I may not declare - much like I scratched the whole side of my car once against my own hedge driving onto my own driveway - I paid for the products to buff, clean and make it look ok, and didn't deem that to be reportable to my insurance company atthe time. (I realise that others may have a different opinion)

Hope this helps

born_again

I would not go through Ins.
Going to sound good saying Mrs bumped driving one car my other car on our drive when you are main policy holder on both cars. Does she drive one more than you? As I can see that question being asked. Then fronting comes into play.

foxy-stoat

born_again said:

I would not go through Ins.
Going to sound good saying Mrs bumped driving one car my other car on our drive when you are main policy holder on both cars. Does she drive one more than you? As I can see that question being asked. Then fronting comes into play.

Fronting wont come into play unless the Wife is 18 and the Husband is 45, and even then I doubt it will be an issue.

I would however just pay for the damage yourself, saves a claim on 1 policy and having to declare it for both.