bungeejumper wrote:Lootman wrote:I had not thought about it historically either. Although my wife and I have always had 2 cars in 2 separate names and 2 separate insurance policies. So that if one of us got dinged with higher rates because of an accident or traffic offence, the other would not suffer.
That'll work just as long as neither of you is a named driver on the other's policy. As I found out about ten years ago, when my wife was peripherally involved in a multi-shunt caused entirely by an L-driver about five cars away from her.
My wife and her car were undamaged, and so were the cars immediately around her. Nobody for a single moment suggested that she was responsible for anything, and she didn't receive any communications at all about the matter. Ever!
But, about three months later, my car's insurer wrote me a furious letter, accusing me of concealing the fact that she had been involved in an accident in her own car. And cancelling MY NCB until such time as "her" accident claim had been resolved. (Sure enough, it was in the hands of somebody's battling solicitors......)
Believe it, word gets around pretty fast on the insurance claims database. And my own insurer had figured that this fault-free driver (my wife) was also a named driver on my own car's policy - and that that fact alone was sufficient reason to accuse me of concealing her "involvement in an accident claim". I can tell you, I drove pretty carefully for the next nine months, which was how long it took for the shambles to be resolved.
[Edit]: Meanwhile, my wife never received any warnings about any danger to her NCB. Or any formal notification that the case had been resolved. Or anything at all, in fact.I nstead, I had become the punchbag.
BJ
Did you expect them to treat you in a truly fair and civilized manner? If so, why? It's all about the money. The customer can go to blazes. Way of the world I'm afraid. Get used to it.