Insurance question - not bikes - SV650.org

tigersaw · 24-05-09, 06:24 PM

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.

24-05-09, 07:27 PM

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

the_lone_wolf · 24-05-09, 07:42 PM

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...

24-05-09, 07:48 PM

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 · 24-05-09, 08:07 PM

Quote:

Originally Posted by kwak zzr

i think this is unfair...

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

it's government mandated robbery

24-05-09, 08:10 PM

Quote:

Originally Posted by the_lone_wolf

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

it's government mandated robbery

yea agreed.

24-05-09, 08:31 PM

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 · 24-05-09, 08:39 PM

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 · 24-05-09, 08:41 PM

Quote:

Originally Posted by 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.

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

24-05-09, 08:43 PM

it usually is.

24-05-09, 06:24 PM	#1
tigersaw Member Mega Poster Join Date: Mar 2005 Location: Llanwrtyd Wells Powys Posts: 1,146	Insurance question - not bikes 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.

24-05-09, 07:27 PM	#2
Jamiebridges123 Guest Posts: n/a	Re: Insurance question - not bikes I think most named drivers have their own no claims things nowadays so you probably wouldn't have to..

24-05-09, 07:42 PM	#3
the_lone_wolf Captain Awesome Mega Poster Join Date: Jan 2007 Location: Hamble Posts: 4,266	Re: Insurance question - not bikes 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... __________________ Official "Dumbass of the Year" 2011 (•_•) ( •_•)>⌐■-■ (⌐■_■) Deal with it...

24-05-09, 07:48 PM	#4
kwak zzr Guest Posts: n/a	Re: Insurance question - not bikes 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.

24-05-09, 08:31 PM	#7
Milky Bar Kid Guest Posts: n/a	Re: Insurance question - not bikes 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!

24-05-09, 08:39 PM	#8
tigersaw Member Mega Poster Join Date: Mar 2005 Location: Llanwrtyd Wells Powys Posts: 1,146	Re: Insurance question - not bikes 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.

24-05-09, 08:43 PM	#10
kwak zzr Guest Posts: n/a	Re: Insurance question - not bikes it usually is.

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