named driver accident

mysticsniper

mysticsniper

mysticsniper

Soldato
Joined
1 May 2003
Posts
11,224
Apparently, my wife had a knock in her car and was at fault about 8 months ago.

Now I've been hit with a £50 monthly increase on my premiums as I've failed to disclose her bloody accident.

Apart from being really ****** off about it. what are my options here, would it make any difference in removing her from my policy, cancelling and going with someone else?

Just suck it up and have her pay the extra?
 
Just remove her from your policy if it bothers you that much.

As for “making her pay the extra”, she’s your wife, not a random family member. Why didn’t you declare it when you started the policy?
 
...how do you not know about your wife having a car accident? :confused:

Either way, it’s probably easier to remove her from your policy.
 
So she hasent told her insurance company either? good marrage you guys have if you dont tell each other stuff like that
 
I can almost understand her casually forgetting to tell you that she kerbed an alloy or something, but that? :eek:
 
Harsh. It's your policy and you're only compelled to give them info to the best of your knowledge.

My gf is a named driver on my policy. Yes, price goes up when she crashes or gets speeding tickets. No, price does not come back down when I take her off the policy. Unless she's a proper headcase, insurance is cheaper with a named driver at the same address.

TBH, the best price reductions I've found over the last few years have been changing the renewal date. Some renewal dates are more expensive than others.

I saved about £150 renewing on Boxing day a few years ago rather than on some random december date. Ask them next time you renew, there will be different prices for each day you ask for the insurance to start.
 
Last edited:
Yep, just keep an ear out for the questions they ask when you go somewhere different.

I got done a few years ago by Direct Line. They "renewed" my insurance. Sent me a letter saying so. Then cancelled it because the card they billed has expired. I've now got to answer "yes" to question "have you had insurance cancelled in the last 5 years". Direct Line are unsurprisingly the cheapest quotes now as they're the ones who actually know why it was cancelled.
 
inogen said:
Yep, just keep an ear out for the questions they ask when you go somewhere different.

I got done a few years ago by Direct Line. They "renewed" my insurance. Sent me a letter saying so. Then cancelled it because the card they billed has expired. I've now got to answer "yes" to question "have you had insurance cancelled in the last 5 years". Direct Line are unsurprisingly the cheapest quotes now as they're the ones who actually know why it was cancelled.
Click to expand...
Cancelled due to a credit card being expired is not what that question means as far as i am aware? "Cancelled Insurance" is quite a serious question with a proper meaning. Someone more informed will hopefully elaborate but i think you should be able to answer "no" to that question but of course do your own research.
 
Jez said:
Cancelled due to a credit card being expired is not what that question means as far as i am aware? "Cancelled Insurance" is quite a serious question with a proper meaning. Someone more informed will hopefully elaborate but i think you should be able to answer "no" to that question but of course do your own research.
Click to expand...

Hmmm. When I've spoken to other insurers and explained, they take it as a "yes". Not paying your premium is a serious business.

Btw, it was then when I learned about the dates. I rang up to pay my premium, was told I couldn't as my insurance had been cancelled. Had to start a new policy. They wanted £150+ extra for the policy to start within the next week or so. It was £100s more to start then and there. I parked my car up for about 10 days and it came back down to near enough what I was quoted before they cancelled it. Some it was just extra for wanting it sooner, some of it was down to Christmas.

They justified it by saying they'd sent letters. Didn't help that I was away from home for 3/4 weeks. They cancelled it about 6 weeks into the policy. They never emailed, rang or texted me. Just letters that looked like junk mail saying they were chasing payment. Then a big fat official looking thing saying they'd cancelled which my GF spotted and asked me if she should open it.

I ended up with a long ongoing complaint that got nowhere other than them saying sorry and how they'd look into stamping important on the reminder letters and changing the copy in the renewal letter so it doesn't read like the transaction is complete.
 
Last edited:
inogen said:
Hmmm. When I've spoken to other insurers and explained, they take it as a "yes". Not paying your premium is a serious business.

Btw, it was then when I learned about the dates. I rang up to pay my premium, was told I couldn't as my insurance had been cancelled. Had to start a new policy. They wanted £150+ extra for the policy to start within the next week or so. It was £100s more to start then and there. I parked my car up for about 10 days and it came back down to near enough what I was quoted before they cancelled it. Some it was just extra for wanting it sooner, some of it was down to Christmas.

They justified it by saying they'd sent letters. Didn't help that I was away from home for 3/4 weeks. They cancelled it about 6 weeks into the policy. They never emailed, rang or texted me. Just letters that looked like junk mail saying they were chasing payment. Then a big fat official looking thing saying they'd cancelled which my GF spotted and asked me if she should open it.

I ended up with a long ongoing complaint that got nowhere other than them saying sorry and how they'd look into stamping important on the reminder letters and changing the copy in the renewal letter so it doesn't read like the transaction is complete.
Click to expand...

Its not the date itself specifically, its the quoting engine basically detecting the ones that are well ahead, getting quotes in with plenty of time, assumption is these people are price sensitive and savvy, but if you go too early it can also be high, as they are guarding against pricing changes. IIRC when i worked in the business it was a view that around 3 weeks before was the sweet spot, but it of course varies insurer to insurer.
The opposite is the one who is looking to price up renewal the day before the old policy expires, they are likely to see higher premium as limited time to sort it.

When I was switching to Aviva about 5 years ago I had a really good quote, but lost the piece of paper with it written on, so got a new quote a few days before I was due to renew, with exactly the same date to start etc, and it was massively up. Luckily after searching I found the old one, wacked it in and it was still valid. Its effectively the same thing going on as when you find some prices seem to go up online that you looked at before, fire up an incognito browser and suddenly you see a lower price again.
 
Mercenary Keyboard Warrior said:
Its not the date itself specifically, its the quoting engine basically detecting the ones that are well ahead, getting quotes in with plenty of time, assumption is these people are price sensitive and savvy, but if you go too early it can also be high, as they are guarding against pricing changes. IIRC when i worked in the business it was a view that around 3 weeks before was the sweet spot, but it of course varies insurer to insurer.
The opposite is the one who is looking to price up renewal the day before the old policy expires, they are likely to see higher premium as limited time to sort it.

When I was switching to Aviva about 5 years ago I had a really good quote, but lost the piece of paper with it written on, so got a new quote a few days before I was due to renew, with exactly the same date to start etc, and it was massively up. Luckily after searching I found the old one, wacked it in and it was still valid. Its effectively the same thing going on as when you find some prices seem to go up online that you looked at before, fire up an incognito browser and suddenly you see a lower price again.
Click to expand...

Yeah. Although, you will find that prices will fluctuate over the days of the week. Sometimes, quite significantly. Since then every time I've renewed I've asked about start dates spanning over about a fortnight and they waver up and down.

There must be some stats that show that policies starting on certain days or dates have higher claim rates. Even if they're considered anomalies, they be part of the equation.
 
Confused.

She had a knock in "her" car - but "you've" been hit with the increase??

What about her insurance? I presume she has her own insurance on her own car?

Also - how can you "forget" to tell your husband/wife about an accident/bump??

Hi honey - how was your day - fine, yours? Sounds made up to me.....
 
You must log in or register to reply here.
Back
Top Bottom