Double jeopardy

In January last year, I was stationary in my wife's car (which is fully comprehensively insured and on which I am a named driver) when someone drove into the back of me. We exchanged insurance details but subsequently the driver was found to be uninsured. Subsequently neither the insurance company nor the police have been able to trace him. My wife's car was repaired under her insurance policy. Now I am coming to reinsure both our cars I have a dilemma. I have to write on the forms that I was in an accident (non-fault but resulted in a payout) and she has to say she has made a claim. It seems like we are both being punished for one claim and as such seems unfair. Is this right? Do we just have to mention the accident/claim on one of our records?

Asked on 5 June 2010 by DK, via email

Answered by Honest John

You do have to disclose the claim when renewing both policies. It is unfair, but underwriting stats show that anyone involved in any
claim is more likely to be involved in subsequent claims than someone who isn't.

Tags: insurance policies claims

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