Motability insurance
Discussion
Wifey is a named driver on mum's motability vehicle. Couple months ago she had to get it repaired under insurance as someone had done hit n run. She paid compulsory excess and got it sorted for mum.
Her 5yrs NCB is used on the private policy we have on our shared vehicle.
1. My understanding is her NCB is not affected as its used elsewhere (private car)
2. How should above claim be declared at renewal time?
The motability insurance ppl weren't very clear. They said she needs to declare as at fault and loses 1yr NCB. Doesn't make sense to me that.
Also, unclear about actually declaring it anyway. I know all claims/incidents should be. But I noticed with motability, they didn't look into nor ask about wifey's driving history when the car/insurance was taken out.mall they asked was her drivers license. Indeed you also don't earn any NCB under the motability policy. That does sound like they operate outside private insurance policies?
Thoughts?
Her 5yrs NCB is used on the private policy we have on our shared vehicle.
1. My understanding is her NCB is not affected as its used elsewhere (private car)
2. How should above claim be declared at renewal time?
The motability insurance ppl weren't very clear. They said she needs to declare as at fault and loses 1yr NCB. Doesn't make sense to me that.
Also, unclear about actually declaring it anyway. I know all claims/incidents should be. But I noticed with motability, they didn't look into nor ask about wifey's driving history when the car/insurance was taken out.mall they asked was her drivers license. Indeed you also don't earn any NCB under the motability policy. That does sound like they operate outside private insurance policies?
Thoughts?
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