Named driver car insurance help

Hi all apologies if has been asked before, or if this sounds a stupid question. My wife and I each have our own cars and we are both are main policy holders with different insurers. 
We are both named drivers on each others policies. 

 She had minor accident in her own car she was driving. Her insurer was informed and all sorted out. No claim made. Not at fault.

 I informed my insurer and a note was put on My policy against my wife's name (as she is named driver) stating the accident she had. 

My wife no longer wants to be named driver on my policy now or in the future, so I have taken her off my policy.  

So when I next shop around for renewal quotes, do I need to inform any future insurers of my wifes accident if my wife is no longer a named driver on my policy were it states: " have you or any named drivers had any accidents or claims in the last 5 yrs regardless of fault" 

I don't think I need too tell any new insurers. As no claim on my insurance for my wife's accident. Just note by wife's name of the accident she had in her own car. 

  But my wife thinks I need to tell any new insurers. Even if she is NOT named driver on my policy, as her accident will stay both our insurance histories and could cause issues. 
 She's extremely worried about it all. 
Who is correct? Me or my wife. I would really appreciate advice from you all. 


  • pramsay13
    pramsay13 Posts: 1,922
    Name Dropper First Anniversary First Post
    Just read the question carefully and answer truthfully. 
    If it's the wording as above then you do not need to mention it. 
  • YBR
    YBR Posts: 529
    First Anniversary Mortgage-free Glee! Name Dropper First Post
    I would interpret that as any drivers I wish to name on the new policy.
    In terms of risk, her claim history makes her higher risk (in insurance averages, it's not personal), and so if she never drives your car going forwards, how does that make you/your car more of a risk to insure?
  • wongataa
    wongataa Posts: 2,599
    First Anniversary Name Dropper First Post
    If your wife is not named on your insurance policy you don't need to tell anyone about her incident.  It i isn't relevant as she won't be driving your car.  The claim was made on her policy on a different car so no links to your policy (unless she is a named driver on yours).  It won't be recorded against your policy.
  • 400ixl
    400ixl Posts: 2,642
    First Anniversary First Post Name Dropper
    The question about incidents / accidents is to be answered against the individual driver + the main policy holders policy history. 

    If there was no claim on your policy and she is no longer on the policy then she is not an insurable risk so no declaration is required.
  • DullGreyGuy
    DullGreyGuy Posts: 9,182
    First Anniversary First Post Name Dropper
    You are.... however if she is otherwise a good risk then it may be cheaper to have her included on your insurance as a ND even with the single claim than having it as an Insured Only Driver policy. 
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