I've been driving in the UK for 13 years and never had a crash or made a claim on my car insurance. However, my wife has had three accidents, all of which have resulted in claims against our joint policy.
I have now separated from her (not as a result of the accidents!) and want to buy a car of my own. When I look for car insurance quotes, can I state that I've had 13 years of no claims or do I have to take into account her 3 claims because they were made against a joint policy?
2007-07-13 23:31:06 · 12 answers · asked by werdsmyth_2000 2 in Cars & Transportation ➔ Insurance & Registration
If the insurance was in your name with your wife as a named driver then it is your insurance that has been claimed against and will need to be declared. If the policy was in your wife's name with you as named driver then your future insurance policies are not effected. However if the latter is the case then you do not have a no claims discount as you were not the the holder of the insurance.
Some companies will honour the fact that you have never claimed as a named driver on someone else's policy and give you a small introductory discount on this basis.
2007-07-14 00:24:25 · answer #1 · answered by sunray 3 · 0⤊ 0⤋
Get and compare quotes from different companies at - INSURERATESME.INFO-
RE No claims discount on car insurance?
I've been driving in the UK for 13 years and never had a crash or made a claim on my car insurance. However, my wife has had three accidents, all of which have resulted in claims against our joint policy.
I have now separated from her (not as a result of the accidents!) and want to buy a car of my own. When I look for car insurance quotes, can I state that I've had 13 years of no claims or do I have to take into account her 3 claims because they were made against a joint policy?
2014-08-16 08:19:52 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You can get quotes in just a few minutes at http://LOWERRATEQUOTES.NET/tblpwPN822
RE No claims discount on car insurance?
I've been driving in the UK for 13 years and never had a crash or made a claim on my car insurance. However, my wife has had three accidents, all of which have resulted in claims against our joint policy.
I have now separated from her (not as a result of the accidents!) and want to buy a car of my own. When I look for car insurance quotes, can I state that I've had 13 years of no claims or do I have to take into account her 3 claims because they were made against a joint policy?
2014-10-08 08:45:42 · answer #3 · answered by Jonas 1 · 0⤊ 0⤋
I recommend that you try this site where you can compare quotes from different companies: http://INSURECOMPAREQUOTES.US/index.html?src=2YAtywjbDK46
RE :No claims discount on car insurance?
I've been driving in the UK for 13 years and never had a crash or made a claim on my car insurance. However, my wife has had three accidents, all of which have resulted in claims against our joint policy.
I have now separated from her (not as a result of the accidents!) and want to buy a car of my own. When I look for car insurance quotes, can I state that I've had 13 years of no claims or do I have to take into account her 3 claims because they were made against a joint policy?
Follow 11 answers
2016-08-28 08:15:15 · answer #4 · answered by Rickert 6 · 0⤊ 0⤋
You have to be very careful what you declare on an insurance application and make sure you answer every question to the best of your knowledge or your insurance is invalid. I strongly recommend you speak to your insurer and ask the question specifically, different insurers may view your situation differently.
No claims is more commonly becoming more like an accured discount than a benifit for good driving. I suspect they will count the claims against your policy rather than accepting that you have personally had no claims.
2007-07-13 23:46:25 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Your new insurer will need proof of your NCD, and will request it from your previous insurer. So ring up the original company and explain the situation. They'll either tell you that you can have full NCD, or they won't! Simple as that.
As has been mentioned just don't lie. If you do make a claim and your insurer discovers a deceit they will not pay out.
Not surprised you left your wife if she crashed so much!!
2007-07-14 09:49:45 · answer #6 · answered by melonhead_redline 1 · 0⤊ 0⤋
You will only be able to claim the no claims bonus left on your joint policy. (I assume the policy is in your name with your ex wife to drive as an additional driver - if not then you will have to start from sctratch).
I would take the advice from an insurance broker to make sure that you don't have to declare the incidents - as they were claims made on the policy - albeit from your ex. Normally the insurance company would make a note for their records (to avoid any queries in the event of a claim) - but your premium will be unaffected.
2007-07-14 01:08:23 · answer #7 · answered by welcome news 6 · 1⤊ 0⤋
Yes you have had three claims but I would tell the insurance company the circumstances. Did you have no claims protection? It may shield you from the worst
2007-07-14 04:48:07 · answer #8 · answered by Scouse 7 · 0⤊ 0⤋
Get insurance quotes
2014-12-19 20:41:32 · answer #9 · answered by ? 1 · 0⤊ 0⤋
Claims on a joint policy need to be disclosed - however you can make it clear that in each case you were not the responsible driver....
2007-07-13 23:45:19 · answer #10 · answered by eriverpipe 7 · 0⤊ 0⤋