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Morning all ,
Insurance question please
Apologies i have posted this before , but it went through a route of NCD rather than actual answer for my insurance policy problem. Please can I seek some advice.
so , my Husband had a multi car insurance policy. 2 cars.
1st car - husband was main driver , I was named driver.
2nd car - was main driver on one car while my husband was named driver .
1st car - A branch fell on right side due to extreme weather while I was driving. It was my first claim, that was recorded as a fault claim as there was no opponent. Please note I was named driver.
2nd car - My husband unfortunately had an accident driving the . I was not involved, I was not in the car . I’m no way near the car. Police were called and we have a record of that.
That was the background.
Now while I’m taking a new policy , I’m being told by underwriters to add the 2nd car accident as a fault claim under my name. I have queried and provided a document which says my husband is policy holder for both cars.,
They say below , “We've reviewed the document supplied by you and it confirms you (My name ) is the main driver of the vehicle (xxxxxx) involved in the accident dated 15/03/2023. Therefore, the claim will need to be added to the policy as fault to proceed. “
my question- why should I accept this ? Is this fair ? What are the insurance rules please can someone help me
Also , if they need to add this claim under my name , though I’m not the policy holder but I’m the main driver then , the 1st Car claim must be removed from name as I’m the named driver for the car and my husband is the main driver.
im truly confused. Please kindly suggest. I find this unfair.
Thank in Advance
regards.
Insurance question please
Apologies i have posted this before , but it went through a route of NCD rather than actual answer for my insurance policy problem. Please can I seek some advice.
so , my Husband had a multi car insurance policy. 2 cars.
1st car - husband was main driver , I was named driver.
2nd car - was main driver on one car while my husband was named driver .
1st car - A branch fell on right side due to extreme weather while I was driving. It was my first claim, that was recorded as a fault claim as there was no opponent. Please note I was named driver.
2nd car - My husband unfortunately had an accident driving the . I was not involved, I was not in the car . I’m no way near the car. Police were called and we have a record of that.
That was the background.
Now while I’m taking a new policy , I’m being told by underwriters to add the 2nd car accident as a fault claim under my name. I have queried and provided a document which says my husband is policy holder for both cars.,
They say below , “We've reviewed the document supplied by you and it confirms you (My name ) is the main driver of the vehicle (xxxxxx) involved in the accident dated 15/03/2023. Therefore, the claim will need to be added to the policy as fault to proceed. “
my question- why should I accept this ? Is this fair ? What are the insurance rules please can someone help me
Also , if they need to add this claim under my name , though I’m not the policy holder but I’m the main driver then , the 1st Car claim must be removed from name as I’m the named driver for the car and my husband is the main driver.
im truly confused. Please kindly suggest. I find this unfair.
Thank in Advance
regards.