Quick insurance question

[firman]

Ok probably really obvious answer or this but here goes anyway.
OH was named driver on my policy and had a little bump which went through insurance, so when getting new quotes does the claim go against my name or hers?

Thanks in advance

[Shaw Tarse]

I'd say both.
You have claimed, so will need to declare that.
She has had an accident so that will go against her.

[vonhosen]

She's had an accident, you've had a claim.

[noodleman]

On the other hand, you could argue that she had the accident and she claimed, all be it as a named driver on another policy.

You've lost the NCD. She has to declare?

I'd be interested to find this out too. I'll be loads of people do this wrong.

[Engineer1]

Both insurers will need to know, the one she claimed on and any that she is a named driver on as they ask for accidents in the past x many years.

[noodleman]

Engineer1 said:

Both insurers will need to know, the one she claimed on and any that she is a named driver on as they ask for accidents in the past x many years.

That's not the question though. Does it go down as 2 incidents on their renewal? An accident for her and a claim for him?

[kambites]

As someone said above, the OP has made a claim against his insurance (it is always the policy holder that "makes the claim", I think), his other half has had a fault accident. The insurance company will need to know both.

Edited by kambites on Friday 5th November 08:44

[noodleman]

Whilst that seems to make sense, it does make it unfair for quoting purposes.

If my wife claimed twice against my insurance, I would have to put 4 incidents down for any quotes.

The application presumably won't assume that the incidents are related because of the date and cost?

So you'd get the same price whether they were 2 accidents or 4 separate ones?

That hardly seems fair.

[kambites]

The same would be true if you had an accident yourself as policy holder. Accidents and claims are different things and generally have different sections on insurance quote forms.

[noodleman]

No they don't. They ask for any accidents or claims.

When you input them it does not ask whether it was an accident or a claim it asks for incident date, cost, type, fault etc.

If you've ever had an accident and subsequently claimed, are you saying you would enter it twice?

[kambites]

Last time I renewed my insurance, they had separate sections on the form for accidents and claims.

Anyway, just because you enter it twice, doesn't necessarily mean that they will charge you more for it. Insurance is a very competitive business, I doubt they'd stay in business long if they tried that.

[ZOLLAR]

The way we would rate it with my insurer is>
op and wife on policy, claim under wifes name if op took wife off quote the claim would go under his name, we wouldnt note it twice as it would be unfair to increase the premium twice for 1 claim.

[noodleman]

It seems like no-one knows this definitively.

[LuS1fer]

The proposal form ordinarily asks whether you have had any accidents or claims in the past 5 years. the answer will be yes. It will afact your policy as it's insuring a risk and you and your wife are the risk.

[Noger]

Named Driver has accident and claims on your insurance

Your NCD affected

At renewal, is she is still a named driver, you would need to declare the accident

At renewal, is she is not still a named driver, you would not need to declare the accident

Named Driver has accident and recovers all costs via another party

Your NCD not affected

At renewal, is she is still a named driver, you would need to declare the accident

At renewal, is she is not still a named driver, you would not need to declare the accident

[noodleman]

Noger said:

Named Driver has accident and claims on your insurance

Your NCD affected

At renewal, is she is still a named driver, you would need to declare the accident

At renewal, is she is not still a named driver, you would not need to declare the accident

Yes, but if she is still a named driver, do you declare 2 incidents, an accident for her AND a claim for you?

If not still a named driver, don't you need to declare the claim still?

[Noger]

noodleman said:

Noger said:

Named Driver has accident and claims on your insurance

Your NCD affected

At renewal, is she is still a named driver, you would need to declare the accident

At renewal, is she is not still a named driver, you would not need to declare the accident

Yes, but if she is still a named driver, do you declare 2 incidents, an accident for her AND a claim for you?

If not still a named driver, don't you need to declare the claim still?

1) No, but I guess it depends on what you are being asked. Most ask "accidents or claims" and then work out the type from what you then input.

2) The view on this (from one large insurer) was that you had already been penalised for the claim by the NCD, so you would not have to declare.

[noodleman]

Still seems a bit vague to me I'm afraid.

[Noger]

Vague ? No. Inconsistent ? Perhaps.

[Chiswickboy]

I'm with Noger on this. It all depends what the question is.

Whatever it is there is one accident which resulted in one claim. It is all related and not seperate "incidents". If there is seperate questions regarding "accidents" and "claims" then put a remark referring one to the other.