Car Insurance Question (Driver Details)

Big Lez on 15/02/2023 - 12:47
Last edited 15/02/2023 - 16:13

Hi All

Hoping for some guidance here:

I had a car that my partner crashed (At fault), we had 3rd party insurance which covered the other bloke's car but we're privately fixing our own car. Now the policy holder is me and I had listed her as an additional driver. This will no doubt result in an increase to premium.

I'm therefore looking at other insurers such as Allianz, when you get a quote it asks if I've has had any claims? Would I be ticking yes here, as technically it was my partner who was involved in the accident. Although it doesn't ask if additional drivers have had claims.

If the answer is yes, could I instead have my partner be the policy holder and that way she's had no previous claims and I'm listed as an additional driver with no requirement to declare previous claims.

UPDATE:

Thanks for the comments, it seems clear that the answer is here is "yes". I'll try my luck by negotiating my new premium down by explaining I wasn't the person involved in the accident just the policy holder.

Automotive Car Insurance Insurance

Comments

  • battler on 15/02/2023 - 13:00
    +2

    Insurance fraud is rampant, yet everyone jumps up and down at the increased cost of insurance.
    Just jump on that bandwagon and be like (almost) everyone else.

    • Big Lez on 15/02/2023 - 16:14
      +2

      No fraud intended pal, just trying to understand the terminology between different insurers.

  • brendanm on 15/02/2023 - 13:13
    +7

    When you list another driver, it asks if they have had any at fault accidents normally.

    • 87percent on 15/02/2023 - 13:14
      +2

      This is the correct answer

      YOU may not have had an accident in the last 5 years, but you listing your additional driver WILL have an accident

    • Big Lez on 15/02/2023 - 16:15

      It probably does, I did a quick online quote and it didn't ask but I'm not surprised if that question comes up when formally signing up to the quote.

      • sumyungguy on 15/02/2023 - 16:53

        Yes, the quote is bait - you have to click through, that's where all the hard questions are lurking

      • blitz on 15/02/2023 - 18:06

        Even if they don't ask the question explicitly, somewhere in the T's+C's, there'll be a line saying "it's up to you to tell us anything you think we need to know".

  • Euphemistic on 15/02/2023 - 13:15
    +1

    You’re the policy holder, you’ve made a claim. You haven’t had an at fault crash though, that’s the other listed driver.

    • apsilon on 15/02/2023 - 13:26
      +2

      Exactly. Don't know why you're finding this hard to answer, did you make a claim on your insurance, yes or no. You said in your post your third party insurance is covering the other bloke so clearly your answer is yes. You can say no but you then run the risk of next time you go to make a claim they say, "oh looks like you made a previous claim which you didn't inform us about. Your policy is void and we won't be paying out."

  • Donaldhump on 15/02/2023 - 14:01
    +1

    um you had a claim as it was your insurance policy not the additional drivers

    or

    argue above when your insurance is denied and see what the judge says then ring ACA

  • pharkurnell on 15/02/2023 - 14:05
    +1

    If you get caught lying to your insurance, good luck ever getting again for under a willionty dollars

  • jv on 15/02/2023 - 14:14
    +2

    Would I be ticking yes here

    If you don't, you would void the insurance cover, so will effectively be driving uninsured, which is a waste of the premiums you would be paying.

    Be assured, they will find out as the companies share data…

    • orangetrain on 15/02/2023 - 16:11

      Not a waste of premiums, they could refund that.

      • [Deactivated] on 15/02/2023 - 17:41
        +1

        They won't, and don't.

  • Kremleen on 15/02/2023 - 14:14

    when you get a quote it asks if I've has had any claims?
    In this regard, you can assume they are asking if you, the policy holder of your insurance, have claimed against your policy? And for that question, it's a yes.

    When you take out another insurance policy under your partner's name, your partner technically has never made a claim but has been involved in an accident. You can try and find an insurance company that only asks the prior question but even with that, you can't pull the same trick twice with another at fault accident. So be careful on the road

  • Donaldhump on 15/02/2023 - 14:54
    -2

    so a tree fell on my house, do i need to declare it, as it was technically my tree and house involved not me

  • [Deactivated] on 15/02/2023 - 17:41

    Insurance is on the vehicle, not the driver.

  • plmko on 15/02/2023 - 18:13

    Amazing that someone would ask Ozb and not even think about asking the insurer they are looking into. Who would even know what the terminology means that would be specific to the insurers policy.

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