Originally Posted by -Ralph-

OK, I didn't explain that well. I wasn't "uninsured" as such but would have lost my no claims. If you claim on your own policy, you are claiming against yourself, but for that reason you are loosing your no claims, etc.

I could have claimed for the damage as I was fully comprehensive, but what I couldn't do is provide my insurance details for the other car as the third party to claim against. In that scenario I would be the first and third party. The reason for wanting to do this was the excess was a 4 times more on my car than it was on my wife's and it was my wife's fault, so I wanted to claim for it on that policy. I was TOLD (that doesn't mean it's right!) that I wouldn't be able to name my wife as the third party either, even if she did have her own policy, as we were married I couldn't claim against her.