Anyone work in car insurance claims?

[lustforlife]

My partner was driving my car on the way home from his nightshift a few weeks ago when someone pulled out of their driveway to spin round and hit the back end of our car. The guy was very apologetic at the time and gave my partner his details etc (he was driving his work van when he hit my partner).

My partner is a named driver on my policy (he was driving my car rather than his work van as it was in the garage). We therefore put in a claim and have had correspondence from the company that will be completing the repairs. My partner had to send pictures of his driving license to our insurers etc as part of the checks.

Anyway... he asked me today that all his details were correct on our policy and that I had declared his 3 points. I got the worst sinking feeling and don't know if I did do if I view my policy online it just says 'no convictions' under my partners name, but I don't know if points class as a conviction?

I'm now really worried that if I should've put his points on and haven't, that this will come back to us and the other driver's insurance won't cover the cost of the damage. Can anyone advise me please? I'm quite worried!!!

Not sure whether or not you have to declare points - you'd need to look at the wording of your policy. But points are not a conviction, so if all it asked you about is convictions, you should be fine.

But it's also not relevant if the accident was clearly the other driver's fault. It's not your insurance company paying, it's the other driver's. Think of it this way - if your car had been parked in a car park and the other guy had scrapped it, you would still have a claim against him even though there was no one - insured or otherwise - in the vehicle.

If you weren't insured at all, you'd now be suing the other driver rather than going through your insurer. It's his insurance company paying.

Even if you forgot to declare the points, it doesn't allow the other driver's insurance to get out of paying for the damage. If it was entirely the other driver's fault, his insurance must pay.