Hi,
Just looking for advice , especially from anyone in the insurance industry.
We live in France, and my DD was insured as the principal driver on my car, so she could get her NCB up. I am the registered car owner and policy holder. In France we have a Bonus Malus scheme - the more years you drive without claim, the lower your score. Eighteen months ago I was driving, got into a scrape, both myself and the other driver informed the insurance, but no claims were made. It was treated as a non-claims incident by our insurer.
Fast forward, DD is working in the UK, gets a car, and goes to insure it. She says, 'Yes', she has an NCB ( 5 years) and is asked for proof. Our insurer declares that there was an incident with the car, certified she had NO responsibility, she has a co-effiecient of 0,73 ( about 5 years of NCB) and I was the one responsible.
The UK insurers are refusing to accept this, and are saying that she is liable to higher costs because I pranged the car.
Any advice on how to get past this stalemate ? TIA