Insurance: who carries the claim history from a joint policy

[Newc]

Mrs Newc had her car stolen, and claimed on her policy. I was a named driver.

On my car, clearly if Mrs Newc is added as a named driver then the claim for her loss is disclosed.

But what if my policy is only to cover me ? Do I need to disclose the claim from her policy even though I was just a named driver ? Because that feels like we'll both get our NCD's dinged even though only her policy has had a claim.

Googled around for this but can't find it answered, which was a surprise as it can't be that rare a situation. Or maybe my google-fu is lacking.

[monthou]

Have you made a claim?
That's the question that's asked.

[Tribal Chestnut]

You can always tell the insurers it was you, if you fancy paying a little more. Then have a worry about that and tell them the truth, then you can worry some more about maybe having your policy cancelled and whether you need to declare that, etc, etc. Don’t forget to declare if you pop a UK/EU/whatever sticker on the back too. HTH.

[Venisonpie]

I'd tell them what's happened and let them advise whether it's declareable or not.

[number2]

Newc said:

Mrs Newc had her car stolen, and claimed on her policy. I was a named driver.

On my car, clearly if Mrs Newc is added as a named driver then the claim for her loss is disclosed.

But what if my policy is only to cover me ? Do I need to disclose the claim from her policy even though I was just a named driver ? Because that feels like we'll both get our NCD's dinged even though only her policy has had a claim.

Googled around for this but can't find it answered, which was a surprise as it can't be that rare a situation. Or maybe my google-fu is lacking.

You haven't had a claim, your wife did. She had an insurance policy and made a claim against it.

You're over complicating this.

[Sheepshanks]

Newc said:

But what if my policy is only to cover me ? Do I need to disclose the claim from her policy even though I was just a named driver?

No.

Newc said:

Because that feels like we'll both get our NCD's dinged even though only her policy has had a claim.

That wouldn’t happen even if you’d had an at fault crash in your wife’s car covered by her policy.

[TwigtheWonderkid]

Sheepshanks said:

Newc said:

But what if my policy is only to cover me ? Do I need to disclose the claim from her policy even though I was just a named driver?

No.

Correct answer. I was a named driver on my company fleet policy. Lots of other people claimed on that policy. Nothing to do with me. I'm a named driver on my brothers car and he had an accident. Again, nothing to do with me or my policy, as he isn't a driver on my policy.

You have to disclose:
1: Accidents/claims you are involved in
2: Accidents/claims you aren't involved in but which happened on a policy IN YOUR NAME.
3: Accidents/claims that other drivers who are currently on your policy were involved in, be it on your policy or a different policy.

That's it.

[TwigtheWonderkid]

Venisonpie said:

I'd tell them what's happened and let them advise whether it's declareable or not.

Why? You seriously want to ask them if you need to tell them about someone who isn't a driver on your policy having a claim on their own policy??? They'll think you're barmy.

[Baldchap]

It's as relevant to your policy as me making a claim on mine.

She insured a car against theft, it was stolen and she claimed.

Now technically you may pay for it anyway because your area may be considered higher risk, but that's not relevant to the question asked.

[SteveR1979]

Venisonpie said:

I'd tell them what's happened and let them advise whether it's declareable or not.

Utterly clueless

[TwigtheWonderkid]

SteveR1979 said:

Venisonpie said:

I'd tell them what's happened and let them advise whether it's declareable or not.

Utterly clueless

It's completely ridiculous. Most parents are additional drivers on their kids' insurance. When those kids have an accident, does dad have to tell the insurers of his Porsche, even though his child isn't a driver on it? Of course not. Total nonsense.

[Newc]

Thanks for the helpful answers.