Two vehicles / two policies

mosteth

I have my own car policy with no named drivers and I am the administrator on a separate policy for my husband’s van (different insurer), for which there is currently a claim going through for a minor accident for one of the named drivers.

Do I need to declare this for my car policy renewal? Could it affect my car policy NCD / policy renewal cost?

thanks!

pramsay13

Generally not but just make sure you answer each question fully and accurately.

MyRealNameToo

So you arent the policyholder on the van policy?

sheramber

mosteth said:

I have my own car policy with no named drivers and I am the administrator on a separate policy for my husband’s van (different insurer), for which there is currently a claim going through for a minor accident for one of the named drivers.

Do I need to declare this for my car policy renewal? Could it affect my car policy NCD / policy renewal cost?

thanks!

Who is the policy holder?

mosteth

Thanks. Yes, I am the policy holder for the van as well as my own car. Does this make a difference? It was just easier for me to arrange it than for my husband to do it, I hope this doesn’t mean it comes back to bite me. I have also just had a semi-fail on a home contents claim!

Aretnap

If you are the policy holder for the van then you'll have to declare it on your own car insurance renewal, as it's a claim on your policy. It won't affect your no claims discount as that applies to the policy, not the individual, but it might have an impact on your premium nonetheless.

MyRealNameToo

If the driver is on both policies then you need to declare it on both under their name, assuming the driver isnt on the second policy it then gets declared under your name as the policyholder who made the claim. 

mosteth

Thanks very much!