car inshurance

Gratsiela1

Hi My car has been damaged on my drive last year due to an incident with a digger happened while me and the main driver(husband) had a lunch at home.NCD has not been taken as no fault in our side.When my husband purchase next car insurance does he need to declare this claim?
I was the owner of the car, policy was mine to, I made a claim. My husband was a main driver. CUE data shows his name and his new insurance would like to take bigger premium. 

Sandtree

Are you sure you were the policyholder but your husband the declared main driver? Its fairly rare for insurers to allow the policyholder and main driver to be different.

Assuming the above is true then the claim normally would have gone against you as the policyholder and the claim needs to be declared on any policy which you are names on either as the policyholder or a named driver.

From what you say however his name has been recorded so either 1) he was the policyholder or 2) he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

BOWFER

I think the OP means to say her husband is a 'named driver'.
Makes more sense than 'a main driver'.
So he's a named driver on her policy, but also has his own policy. which he's renewing.
I'm no expert, but I don't see why he'd declare this incident at all.
He wasn't driving the car at the time and the OP has made a claim in her name.
He's therefore completely devoid of any involvement and would NOT have to declare it?

BOWFER

Sandtree said:

he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

How on earth would they know who the last driver was, and what is the relevance when a digger hits the car when they're in the house?

Sandtree

BOWFER said:

Sandtree said:

he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

How on earth would they know who the last driver was, and what is the relevance when a digger hits the car when they're in the house?

It was a standard FNOL question at the second insurer I worked at... who was the driver... if the vehicle was parked/unattended etc then who was the last driver. You couldnt progress to the next screen until the driver field was populated... got to love old green screen systems (even if they were in a Windows wrapper by then).

Relevance is a secondary matter and that insurer didnt report to CUE but at renewal the claim would show as having been against whoever was entered into the Driver field or against the Policyholder should it have been someone not covered by the policy.

DB1904

Sandtree said:

Are you sure you were the policyholder but your husband the declared main driver? Its fairly rare for insurers to allow the policyholder and main driver to be different.

Assuming the above is true then the claim normally would have gone against you as the policyholder and the claim needs to be declared on any policy which you are names on either as the policyholder or a named driver.

From what you say however his name has been recorded so either 1) he was the policyholder or 2) he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

It's not I've done it for years with a number of different insurance companies.

Sandtree

DB1904 said:

Sandtree said:

Are you sure you were the policyholder but your husband the declared main driver? Its fairly rare for insurers to allow the policyholder and main driver to be different.

Assuming the above is true then the claim normally would have gone against you as the policyholder and the claim needs to be declared on any policy which you are names on either as the policyholder or a named driver.

From what you say however his name has been recorded so either 1) he was the policyholder or 2) he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

It's not I've done it for years with a number of different insurance companies.

I'd be interest who... none of the PAS systems I've used in recent years even had the functionality for it and from a consumer perspective certainly none of the websites have... plus on a husband/wife policy they really wont care who the main driver is unless there is a major difference between the two (eg ones an inexperienced driver)

chrisw

DB1904 said:

Sandtree said:

Are you sure you were the policyholder but your husband the declared main driver? Its fairly rare for insurers to allow the policyholder and main driver to be different.

Assuming the above is true then the claim normally would have gone against you as the policyholder and the claim needs to be declared on any policy which you are names on either as the policyholder or a named driver.

From what you say however his name has been recorded so either 1) he was the policyholder or 2) he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

It's not I've done it for years with a number of different insurance companies.

As have I. It's fairly common between spouses where the main driver of a particular vehicle may vary as family circumstances change.

RichardD1970

chrisw said:

DB1904 said:

Sandtree said:

Are you sure you were the policyholder but your husband the declared main driver? Its fairly rare for insurers to allow the policyholder and main driver to be different.

Assuming the above is true then the claim normally would have gone against you as the policyholder and the claim needs to be declared on any policy which you are names on either as the policyholder or a named driver.

From what you say however his name has been recorded so either 1) he was the policyholder or 2) he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

It's not I've done it for years with a number of different insurance companies.

As have I. It's fairly common between spouses where the main driver of a particular vehicle may vary as family circumstances change.

Same here, before my wife got her own car.

As far as I remember there's always the question "Who will be the main driver", with an option of selecting any of the drivers named. 

I've even changed it mid term when our jobs changed and I no longer drove to work. 

Sandtree

Fairly common but no one can name any insurer?

RichardD1970 said:
As far as I remember there's always the question "Who will be the main driver", with an option of selecting any of the drivers named. 

Looked through about 30 different companies websites over the weekend (work related, not this) and not a single one has the option to declare the main driver so would be interested where you are looking to "always" see this @RichardD1970

RichardD1970

Sandtree said:

Fairly common but no one can name any insurer?

RichardD1970 said:
As far as I remember there's always the question "Who will be the main driver", with an option of selecting any of the drivers named. 

Looked through about 30 different companies websites over the weekend (work related, not this) and not a single one has the option to declare the main driver so would be interested where you are looking to "always" see this @RichardD1970

@Sandtree

First one I checked, Direct Line, Second one, Admiral,



Both with me as the registered keeper and proposer. ¯\_(ツ)_/¯