M
Monaou
Guest
Hi,
Unfortunately I think I know the answer here already, but said I'd check with ye just in case....
We were in a minor accident about two years ago (rear-ended the car in front of us at a roundabout). This was completely our fault and that was never questioned. We were travelling in my car, but my boyfriend was driving at the time. I obviously have full insurance for my car, with my boyfriend being insured as a named driver on my policy.
My boyfriend has his own car, with his own insurance, and I am a named driver on that policy. So basically we are fully insured to drive either car.
After the accident, the claim went through my insurance and was paid out. Now, about a year after the claim was settled, we got a letter from my boyfriends insurance company saying they were forced to pay out half of the claim as he has insurance in his own name.
So, when I went to renew my insurance, naturally my no claims bonus was gone and my premium doubled. My boyfriend's insurance is coming up for renewal, so it looks like he will be in the same position.
Is it normal/allowed that we both lose our full no claims discount (both had more than five years) for the same accident and the same claim?
Thanks.
Unfortunately I think I know the answer here already, but said I'd check with ye just in case....
We were in a minor accident about two years ago (rear-ended the car in front of us at a roundabout). This was completely our fault and that was never questioned. We were travelling in my car, but my boyfriend was driving at the time. I obviously have full insurance for my car, with my boyfriend being insured as a named driver on my policy.
My boyfriend has his own car, with his own insurance, and I am a named driver on that policy. So basically we are fully insured to drive either car.
After the accident, the claim went through my insurance and was paid out. Now, about a year after the claim was settled, we got a letter from my boyfriends insurance company saying they were forced to pay out half of the claim as he has insurance in his own name.
So, when I went to renew my insurance, naturally my no claims bonus was gone and my premium doubled. My boyfriend's insurance is coming up for renewal, so it looks like he will be in the same position.
Is it normal/allowed that we both lose our full no claims discount (both had more than five years) for the same accident and the same claim?
Thanks.