Resolved Question

Car Insurance Claim & New Cover?

My wife's car was stolen and ended up a write off. She lost her no claims discount, as the policy owner. I was a named driver on the policy. We are now getting a new car. If i get the insurance policy out in my name, with my wife as the named driver, do i need to declare the claim? I want to minimise cost, but want to be legal.

Best Answer - Chosen by Asker

If you wife is a named driver on your policy you do have a duty to disclose her previous claims history. My advice would be to disclose this as in the event your wife make a claim in the future the insurers will be able to find this information out from CUE. Claims & Underwriting exchange.

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Other Answers (3)

• You will have to give the correct information since if at any time the insurance company finds out about this than it will be considered as a misrepresentation and your policy can be cancelled.
  Secondly, theft will not affect your driving record nor that of your wife since the claim was not because of your negligence.
  The best solution would be to shop around online for cheap auto insurance quotes. You will get 5-6 quotes at one time and you can compare the coverages and the benefits. Besides insurance companies offer discount to clients online since they save on their operating cost.

  Source(s):

• Yes, per the policy language your wife is also considered a named insured so any losses either one of you incurred would need to be declared.
• They ask if any named driver's has made a claim.