Hoping someone might be able to guide me on a question. We have two cars at home. I'm insured on one and my wife named. She is insured on the other and I'm named. Policies with two providers and both have full No Claims discount. She was in a minor/medium car crash over the weekend (everyone is fine) while driving the car with the policy in my name.
There is a chance she might be found liable. Today on a call to the insurance company They asked if she had a policy on another car which I confirmed. They then said she effectively had double-cover - i.e. being named on my policy for the car and also cover to drive other cars via the other policy in her name. The person on the phone suggested that if we are liable then they might seek to split the claim with the other insurer.
Now this is all well and good for them, but I'm guessing in this case that could mean we lose the No Claims discount on both policies? If so then that is surely madness! I know I need to wait on decision re liability but I want to be prepared. Does any consumer policy offer any protection to me? Surely it can't end in an outcome where we are hit twice? Or perhaps there is no impact on the policy where she is just the named extra driver? (although I can't imagine so)
There is a chance she might be found liable. Today on a call to the insurance company They asked if she had a policy on another car which I confirmed. They then said she effectively had double-cover - i.e. being named on my policy for the car and also cover to drive other cars via the other policy in her name. The person on the phone suggested that if we are liable then they might seek to split the claim with the other insurer.
Now this is all well and good for them, but I'm guessing in this case that could mean we lose the No Claims discount on both policies? If so then that is surely madness! I know I need to wait on decision re liability but I want to be prepared. Does any consumer policy offer any protection to me? Surely it can't end in an outcome where we are hit twice? Or perhaps there is no impact on the policy where she is just the named extra driver? (although I can't imagine so)