No claims - two policies

[Checkmate]

Not sure if this is the right subforum, but seems correct.

Just had a bump in my car when pulling out of the drive, it's poorly sighted and a car speeding along the road appeared in front of me as I was pulling out, and I got it in the side, my fault I should think.

Question is, I have two policies on two cars, if I use one policy to sort the damage on the car I hit, will I lose the no claims on the other policy? I imagine so, I'll have to declare it of course, will that mean I lose the NCD on the other separate policy not involved with this claim?

Thanks in advance for any help.

[scorcher]

You won’t lose it , but you’ll need to declare it which may or may not affect your future renewal prices

[cuprabob]

You will only lose the NCD onn the policy you claim on. It will not impact the NCD on your other policy but you have to declare the accident on this policy come renewal time.

[Checkmate]

Thanks, that's answered my question, a good help and taken a weight off my mind. I can bear to lose the 2 years on the shed's policy, but I'd be a bit more annoyed at losing the 12 years on the other one!

Edit: For clarity, do I need to tell the insurer for the policy I'm *not* claiming on about this immediately, or only at renewal time?

Edited by Checkmate on Friday 30th June 23:57

Edited by Checkmate on Friday 30th June 23:58

[cuprabob]

Checkmate said:

Thanks, that's answered my question, a good help and taken a weight off my mind. I can bear to lose the 2 years on the shed's policy, but I'd be a bit more annoyed at losing the 12 years on the other one!

Edit: For clarity, do I need to tell the insurer for the policy I'm *not* claiming on about this immediately, or only at renewal time?

Edited by Checkmate on Friday 30th June 23:57

Edited by Checkmate on Friday 30th June 23:58

Check the policy T&Cs but normally its at renewal time.

[TwigtheWonderkid]

cuprabob said:

Checkmate said:

Thanks, that's answered my question, a good help and taken a weight off my mind. I can bear to lose the 2 years on the shed's policy, but I'd be a bit more annoyed at losing the 12 years on the other one!

Edit: For clarity, do I need to tell the insurer for the policy I'm *not* claiming on about this immediately, or only at renewal time?

Edited by Checkmate on Friday 30th June 23:57

Edited by Checkmate on Friday 30th June 23:58

Check the policy T&Cs but normally its at renewal time.

At renewal time, regardless of any Ts&Cs. Insurers Ts&Cs do not override ABI rulings and the law (2015 Insurance Act.)

[BertBert]

TwigtheWonderkid said:

At renewal time, regardless of any Ts&Cs. Insurers Ts&Cs do not override ABI rulings and the law (2015 Insurance Act.)

Just a curiosity... If you make a change mid policy, you often get asked all the standard questions about accidents and convictions. Does the ABI ruling allow you to not answer? Or as you are varying the contact mid term, can the insurer load the new premium inline with the up to date accident history?

[BertBert]

TwigtheWonderkid said:

At renewal time, regardless of any Ts&Cs. Insurers Ts&Cs do not override ABI rulings and the law (2015 Insurance Act.)

Just a curiosity... If you make a change mid policy, you often get asked all the standard questions about accidents and convictions. Does the ABI ruling allow you to not answer? Or as you are varying the contact mid term, can the insurer load the new premium inline with the up to date accident history?

[TwigtheWonderkid]

BertBert said:

Just a curiosity... If you make a change mid policy, you often get asked all the standard questions about accidents and convictions. Does the ABI ruling allow you to not answer? Or as you are varying the contact mid term, can the insurer load the new premium inline with the up to date accident history?

You shouldn't be asked that. If you're changing your car, or address etc, you need to tell them and the can ask you if there are any other changes. You only have to declare notifiable things. So if you tell them about a change of address, you also need to tell them that you no longer have a garage, or that you are now retired, but not that you picked up a speeding offence last month.