Disclosing incident question.....

GadgetGuru

I have 2 vehicles.

Vehicle1 - Insured and used by myself only. 
Vehicle 2 - Insured my myself as policy holder, added wife as named driver. 
Both are completely separate policies with separate insurers. 

My wife has had a little prang in Vehicle 2. No damage to our car - 2cm scratch to other car. She feels it was her fault (although didn't admit liability to other driver of course)
Seems like the other driver will go via insurance as its a company car, so depends what the company will do.....

Are my following assumptions correct....?

- As I am the policy holder, the claim would go under my name - hence I lose my no claims bonus on Vehicle 2, even though I was not involved. 
- I need to also inform my Vehicle 1 insurer that I have had a claim, which will also affect the premium of this vehicle upon renewal, even though it was a named driver and not me that was involved?

Is that correct??
Seems very unfair!

Isthisforreal99

Why isn't the policy on the 2nd car in the Mrs name so that she could build her own NCD, would have avoided this scenario....althought I'm not 100% sure of the obligations here.

GadgetGuru

Isthisforreal99 said:

Why isn't the policy on the 2nd car in the Mrs name so that she could build her own NCD, would have avoided this scenario....althought I'm not 100% sure of the obligations here.

You're right - it should have been, but Ive always been the main driver as I had more NCD built I always just rolled it over every year. I never realised one policy could affect a completely different policy!
Moving forward, your suggestion is 100% correct and will be the way I go upon next renewal in future.

Isthisforreal99

GadgetGuru said:

Isthisforreal99 said:

Why isn't the policy on the 2nd car in the Mrs name so that she could build her own NCD, would have avoided this scenario....althought I'm not 100% sure of the obligations here.

You're right - it should have been, but Ive always been the main driver as I had more NCD built I always just rolled it over every year. I never realised one policy could affect a completely different policy!
Moving forward, your suggestion is 100% correct and will be the way I go upon next renewal in future.

I'm hoping that doesn't mean that you have been using the same NCD on both cars?

GadgetGuru

Isthisforreal99 said:

GadgetGuru said:

Isthisforreal99 said:

Why isn't the policy on the 2nd car in the Mrs name so that she could build her own NCD, would have avoided this scenario....althought I'm not 100% sure of the obligations here.

You're right - it should have been, but Ive always been the main driver as I had more NCD built I always just rolled it over every year. I never realised one policy could affect a completely different policy!
Moving forward, your suggestion is 100% correct and will be the way I go upon next renewal in future.

I'm hoping that doesn't mean that you have been using the same NCD on both cars?

Fortunately not - two different policies Wirth two different companies, both with different levels of NCD. The highest is on Vehicle 1 luckily!