Car Insurance - NCD with two cars after claim

anon495729

I'm in the process of renewing my car insurance after a recent claim and have become completely confused regarding the details I should be entering on the comparison site. It's a bit of a saga, but my situation is:

• My partner and I previously a single car (Car A), with clean records building up no-claims discount (NCD).
  
  
• I purchased another Car (Car 'B) approx 5 years ago. At this point I made a genuine error (which I've only just realised) of applying my NCD from Car A onto this policy - hence using the NCD on both policies. I now appreciate this shouldn't have been done, but it went through fine at the time.
  
  
• I am the policyholder for both policies, but we are both covered on each car's policy - alternating between the main and named drivers for Car A and Car B.
  
  
• I tend to switch insurance companies every year based on the best deal, so I have had a string of insurance policies since then with no issues raised by any insurer.
  
  
• We recently traded in Car A for a new car (Car C) and I used the NCD from Car A's policy for Car C, again no issues were flagged.
  
  
• My partner was at fault for a claim in Car C earlier this year, which will reduce our NCD considerably according to Car C's policy.
  
  
• I'm now in the process of renewing my insurance on Car B.
  

Please can someone help me understand the following questions:

1. Am I correct in thinking that the current NCD on Car B (9+ years) should be unaffected by the claim on Car C's policy?
   
   
2. Am I correct in thinking that I should declare the claim for both of us (when entering details on comparison sites) - i.e. not just for my partner?
   
   
3. What would you advise about incorrectly applying the NCD on Car B 5 years ago? I'm concerned that if I ask my insurer to step down the NCD to 4-5 years they may cancel my policy which could affect future policies. However, I would clearly prefer to be honest about this, now that I have learned that NCD shouldn't have been applied across two policies the way I did 5 years ago.

Thanks in advance for your help/advice!

MyRealNameToo

1. Yes

2. No, with her still on the policy declare it under her name, if you remove her then report it under your name

3. You got away with it, let sleeping dogs lie

anon495729

MyRealNameToo said:

1. Yes

2. No, with her still on the policy declare it under her name, if you remove her then report it under your name

3. You got away with it, let sleeping dogs lie

Thank you!