DashcamDPR
Well-Known Member
- Joined
- Mar 9, 2017
- Messages
- 1,141
- Reaction score
- 586
- Country
- United Kingdom
- Dash Cam
- A119 Pro, Mio Mivue 508 for the work van
Say you have two cars, with completely separate insurance policies (i.e. not multicar with the same company), lets say you have 9 years no claims on your main policy for your more expensive car and you have a cheap runaround car with hardly any no claims on its policy, some idiot crashes into you in your cheap runaround car. Obviously you go through your insurance to claim and to ease some complications we'll say it's a straight forward claim ruled in your favour, and you may or may not lose your little no claims if it is or isn't protected. NOW... You come to renew insurance on the other car further down the line, obviously you haven't claimed on this car's policy so you definitely can declare you now have 10 years no claims, should you declare the crash that you've had on the cheap car even though it's on your other policy (and it was obviously a non-fault)?
The reason I'm asking here is purely curiosity, nothing more, and also because of an interesting fact: I've been told in some cases when a person rings up their own insurer to ask a question like this purely out of curiosity, the insurer then increases the premium the following year just for asking the question despite no incident!!
The reason I'm asking here is purely curiosity, nothing more, and also because of an interesting fact: I've been told in some cases when a person rings up their own insurer to ask a question like this purely out of curiosity, the insurer then increases the premium the following year just for asking the question despite no incident!!