Insurance question - not bikes

[tigersaw]

Lets say I were to buy a second vehicle, (pickup truck), and take out a new policy with 0 NCD in addition to my everyday car.
Lets say I put a second driver on the policy, and that driver is unfortunate and has a claim made against the policy.

When it comes to renewal of my everyday car policy, (the one with 12 yesrs no claims), do I have to declare the claim and possibly suffer a premium hike, or will the named driver have to declare it and suffer on their own insurance?


the quotation text:
Any accidents or losses, whether there was a claim or not and regardless of blame, in the last 5 years
is usually in the driver details section when getting a quote - now all I would have been was the policy holder, not the driver.

[Jamiebridges123]

I think most named drivers have their own no claims things nowadays so you probably wouldn't have to..

[the_lone_wolf]

claim is against the policy, and you were the policy holder at the time of the accident so i'm pretty certain you would need to declare it...

[kwak zzr]

i think this is unfair, i went from 9 years ncb on the bike down to 1 :( i have to inform my car insurance of this too as its my driving history.

[the_lone_wolf]

i think this is unfair...

it's insurance, who said it should be fair?;)

it's government mandated robbery:rolleyes:

[kwak zzr]

it's insurance, who said it should be fair?;)

it's government mandated robbery:rolleyes:

yea agreed.

[Milky Bar Kid]

Unfortunately you do have to declare it! It's a claim against the policy, you were the policy holder, therefore you are the claimant. Sucks but thats the way of it!

[tigersaw]

Hmm, so if I let her drive the vehicle under the 'driving other vehicles' clause within her own policy, it costs me less, the risk is less to me, and the cover is just the same.
Bizzare.

[the_lone_wolf]

Hmm, so if I let her drive the vehicle under the 'driving other vehicles' clause within her own policy, it costs me less, the risk is less to me, and the cover is just the same.
Bizzare.

her "other car" cover will most likely be minimum required by road traffic act, ie: third party only

[kwak zzr]

it usually is.

[tigersaw]

her "other car" cover will most likely be minimum required by road traffic act, ie: third party only

Good enough. HiLuxes are indestructable.

[the_lone_wolf]

Good enough. HiLuxes are indestructable.
sounds ok then

best make sure that her policy doesn't exclude cars registered to the same address, or those of spouses / family members - it has cropped up before on some policies i've seen

[tigersaw]

OK Ta.