Insurance claim

[chris52]

It’s many years since I have a claim so not sure how this all works now. My wife has bumped our family car she is on the policy as spouse so no problem there all covered. We have about 20 years no claims and it is protected so shouldn’t lose the protection although fully expect the premium to go up. My main worry is I also have a couple of other cars insured a Tvr Sagaris and Tvr Griffith. As it was my wife that had the bump and the Tvr’s are only in my name will this claim affect those policy’s as well? If it does this could be an expensive bump.
Many thanks
Chris

[TwigtheWonderkid]

Yes, you will have to tell them that you made a claim on another policy you hold following an accident involving another driver.

[Spitfire2]

Agreed BUT they usually won't be interested until renewal. And I doubt it will make much difference to those policies. (Had this recently - my wife's insurer didn't want to know about a claim on my policy until renewal)

But phone the company who insures your other cars anyway to let them know to cover your ass. I think some may want to know about such things before renewal.

[ninepoint2]

If she is not a named driver on your other cars you have no obligation to declare it. The question asked is "have you" re previous claims. If you add her as a named driver then they ask "have they".

[vonhosen]

In respect of the questions asked by insurers.

You as the policyholder have made a claim & she as a named driver has had an accident.

[TwigtheWonderkid]

ninepoint2 said:

If she is not a named driver on your other cars you have no obligation to declare it. The question asked is "have you" re previous claims.

But he has! He's the policyholder, it's HIM that is making a claim on HIS policy, asking for his policy to protect HIM and HIS named driver following an accident involving the named driver.

Using your argument, if you have a house contents policy in your name only, and you have a break in and your wife's jewellery is stolen and your kid's laptop, whilst you were away on business, if you get alternative quotes in the future, you can say you haven't made any claims. It wasn't your stuff that got stolen and you weren't even there at the time of the claim!

Surely you can see this is nonsense. Of course the OP had made a claim. If he didn't have protected bonus, it would be HIS no claims bonus that's reduced.

[chris52]

Many thanks for the replies just to be on the safe side I will contact my insurance company on the other cars and let them know.
Happy nearly Christmas everyone👍
Chris

[TwigtheWonderkid]

chris52 said:

Many thanks for the replies just to be on the safe side I will contact my insurance company on the other cars and let them know.

No need to advise them until renewal.

[chris52]

TwigtheWonderkid said:

No need to advise them until renewal.

Having now read the terms and conditions it does state that you do in fact need to. I have also been told that it will increase each policy premium by 10% at renewal so not a major setback. Better to be safe than sorry
Chris

[TwigtheWonderkid]

chris52 said:

TwigtheWonderkid said:

No need to advise them until renewal.

Having now read the terms and conditions it does state that you do in fact need to. I have also been told that it will increase each policy premium by 10% at renewal so not a major setback. Better to be safe than sorry
Chris

They can be asked to be told as and when, but cannot insist or penalise you for not doing so. They only have to be told at next renewal. If you do tell before, they cannot change your premium mid term (but can charge an admin fee, hence I'd wait until renewal).

[J2daG1990]

chris52 said:

Having now read the terms and conditions it does state that you do in fact need to. I have also been told that it will increase each policy premium by 10% at renewal so not a major setback. Better to be safe than sorry
Chris

If your wife does not even drive the other cars, then how is it they can justify a 10% rise on those other premium.

Classic case of computer getting it wrong when any human can clearly see the other policies for just you shouldn't even be affected...

[vonhosen]

J2daG1990 said:

chris52 said:

Having now read the terms and conditions it does state that you do in fact need to. I have also been told that it will increase each policy premium by 10% at renewal so not a major setback. Better to be safe than sorry
Chris

If your wife does not even drive the other cars, then how is it they can justify a 10% rise on those other premium.

Classic case of computer getting it wrong when any human can clearly see the other policies for just you shouldn't even be affected...

Because he has made a claim as a policyholder & he is the policyholder in other policies. His risk profile increases as a person who makes claims. Think of policy holding & driving as separate issues. He is a riskier policyholder & she is a riskier driver post accident/claim.

Edited by vonhosen on Wednesday 18th December 13:50

[BertBert]

chris52 said:

Having now read the terms and conditions it does state that you do in fact need to. I have also been told that it will increase each policy premium by 10% at renewal so not a major setback. Better to be safe than sorry
Chris

Who said 10% increase?