If I had 2 cars insured on 2 separate policies and had an accident in one of them, would it affect my other policy?
I'm just wondering if I had two cars on two separate policies. 1 policy I'd have 5 years no claims bonuses and 1 starting fresh with zero no claims bonuses. Then if I had an accident in the car with no no claims bonuses, would this affect my other policy with the 5 years no claims bonuses? Or when it was up for renewal when they ask if you have made any claims in the last 5 years etc?
9 Replies
If you had an accident and you were at fault, this will be taken into consideration when calculating your quote because you will have to disclose the accident if it happened within the last 5 years.
Whether you've made a claim to your current insurer or someone else, it remains a claim at the end of the day and that's what insurers want to know.
So, although your 5 years NCB on the car you're not making a claim may not be reduced (eg some people have protected No Claims Bonus), your premiums would still be affected because your circumstances have now been changed.
Your final quote is calculated after applying your NCD to your premiums. So if your premiums were supposed to be £300 and you have 5 years NCB (worth 60%) to apply on that, you would pay £120. But if the premiums were to increase to £400 because of a fault accident, then the overall quote would also increase (to £160) even if your NCB (60%) has stayed the same.
I have two cars, and had an accident in one of the cars and made a claim. Do I have to inform the other insurance company on my other car that I have made a claim even though the policies are separate?
I have 2 insurance policies with different companies on 2 cars. On car 1 I scrapped a wall and did £1000 of damage. The insurer paid and I never lost NCB due to it being protected. Car 2 is now due for renewal and my present insurer has said because I had an accident in 2009 in another car I have to tell them - (even though the insurance is with another company) - which will increase the premiums. How can this be?
I have 3 years no claims on my car that I use daily, I have another car which I now have 2 years no claims on, I've had to make a claim for the 2nd car as a named driver had an accident. I know I lose the NCB for that policy but do the 3 years on my other policy gets affected as well?
I have two cars. Car A (Low risk) and Car B (High Risk). Both with 0 No Claims Discount/Protected Insurance policies. I also have a recent +20yrs proof of No Claims document which I HAVEN'T declared on Car A for its renewal as I am hoping to use it on the Higher Risk Car B when the renewal is due. The High Risk Car B, was recently damaged when in the garage. As I gather claiming off their insurance is difficult as is proving fault. If I claim off my insurance policy on that car will it have any impact on my 20yrs proof of no claims?
Confused, how can I be punished? CAR 1, 15 yrs unprotected bonus no claim insurance go up £2000 plus from last year, CAR 2 had a claim STOLEN with no claim discount, bought another car again insurances on GO compare WONT INSURE ME for less then £8000 on second car. Stolen while in bed 4 am recovering major surgery for cancer. Talk about RIP OFF BRITAIN ITS TIME. GOVERNMENT REGULATED THAT INDUSTRY: worse than DICK TURPIN
If a driver had 2 policies, 1 with a 2nd driver and 1 without, can they lose their no claims bonus on the policy they have on their own?
You can only apply one set of NCD to a car insurance policy. So if you had used your no claims bonus on the 1st policy, you wouldn't have any left for the 2nd policy. Now the problem is that when you lose your NCB, it gets wiped off everywhere whether it's a policy of your own or not.
In your case, if you had a fault accident, you will lose your no claims bonus and that depends on how much you had to start with and that loss will need to be reflected in both the policy where you have a second driver as well as the one where you're on your own.
No matter what, you still need to inform both insurer to tell them you have a claim now as this is a change of circumstances and car insurance companies want to know about this, otherwise they can invalidate your policy.
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