I had an accident in my wife car and the claim was on her policy of which I'm a named driver...?

Question

when I renew my own insurance and I am asked have I made a claim do I answer yes or no. What will happen when my wife renews hers.

Not looking to defraud the insurance company just want to answer as I need to.

I'm in the UK not US if that helps.

Answer 1

You have not had a claim on your insurance. However, you have had an accident, so you answer, no to the first and yes to the second. Your wife would answer yes to the claim, and no to the accident. It is all covered in the disclosure statements they ask.
How it affects your policy is totally dependent on whether the accident was your fault.

Answer 2

When your wife renews her policy, they will automatically take your accident into consideration. Depending on the amount of the claim, they will make a decision to assign points or not. If points are assigned, your premium will go up. As far as your company goes, it would depend on if your wife's company reports the accident or not. I believe they have some kind of network sharing on this. So, I guess if you want to do the right thing, you should answer yes. My question for you is...why don't your wife and you have one insurance company with both cars listed...the insurance companies tend to give a multi car discount and could save you additional dollars.

Answer 3

Had the same in reverse with my wife. Yes you need to tell them or your insurance wont be valid (they will know, they talk to one another)

You will lose a no claims hit on your own policy as well, so drive carefully for the next year!

Your wife's insurance will renew just as if she had had the accident, ie you need to tell any new company, and if you have no claims protection you will lose a hit, if not then you will drop to the next lower bonus level.

Answer 4

I assume she can make the claim (compensation etc. to other driver) just the same as if she was driving, but then the accident will go to "her credit". Since it is her car and her policy! You are just an approved driver. If there was a ticket issued, - you are going to be the one on it, - so I would ask your insurance agent which one gets credited for the damage, -- I would guess both of you will not be "tagged" on both cars, -especially if they are separate policies. In my case we just have one ploicy, and it has 4 vehicles on it, - so there is no room to get out of anything there! Of course we are both over 60 years old, and have good records, - which helps a lot! Our "liablility only" policy runs just a tad over $600 a year! Our cars are cheap enough that we save enough money to buy another used one every 3-4 years! If the car is wrecked,- I guess we just buy another one sooner! Instead of high priced "comprehensive policy", - we can pay for a car with difference!!

Answer 5

You are contractually obligated to inform your insurance company of any accidents you are involved in, even if there is no monetary cost. Failure to notify them may invalidate your insurance policy.

Answer 6

You have to tell them.
The rate may go up or may not.
It depends on how many claims you have had.
You are married, so automatically you are listed as a driver.

Answer 7

YOYU SAY NO, AUTO INSURANCE FOLLOWS THE CAR, NOT THE DRIVER. SHE HAD A CLAIM AND U WERE THE DRIVER, THATS HER INSURANCE COMPANY'S BUSINESS NOT YOURS. YOUR RATES WILL STAY THE SAME, HER WONT

Answer 8

telf is wrong. You have to declare it but as its on your wifes policy you can put it down against your wifes name. when it comes to claims database the claim was in her name.
Insurance companies dont penilise you twice. Sorry about spelling

Answer 9

I'm with Telf on this one, Rachel doesn't work for my insurance company, sadly!