Fault claim on wife's insurance - increased premium?

[Casa1862]

I hit a small Muntjac deer in the wife's car, I'm a named driver and the car is being repaired by a main dealer, quite a lot of damage, estimated £4 to £5k repair bill so no choice but to claim. We both have protected Ncd .

Come renewal time, my wife's insurance will go up due to the fault claim, when my insurance is due I'll also have to declare the accident? Is it likely that both insurance will go up? If that's the case then it encourages couples to fabricate who was driving, I'm not intending to do this as we've already truthfully given the details.

[Casa1862]

Regiment said:

Couldn't she just remove you from her insurance come renewal, she's not the one making the claim or having accidents after all?

Thanks, we need to stay on each other's insurance. I was driving my wife's car, so she will have a claim and I'll have been in an accident.

[Casa1862]

Thanks for all the info, I would think this type of incident is very common as most couple would be insured on each others car, makes sense as it does not cost extra and you never know when the need to drive your partners car. Fairly certain both will go up.

Come her renewal:

Main driver any claims or accidents in last 5 years - Yes

Named driver any claims or accidents in last 5 years - Yes

Come my renewal:

Main driver any claims or accidents in last 5 years - Yes

Named driver any claims or accidents in last 5 years - Yes

As mentioned just need to make clear it's one incident and they don't think it's two, I'm not sure if it would have made a difference if my wife had hit the deer.The answers would be:

Come her renewal :

Main driver any claims or accidents in last 5 years - Yes

Named driver any claims or accidents in last 5 years - No

Come my renewal:

Main driver any claims or accidents in last 5 years - No

Named driver any claims or accidents in last 5 years - Yes

Two less yes, but still an incident on each so i'd expect a hike.