Dp's just written off 3 cars whilst driving mine - who's insurance does he claim on?

[inameeting]

Thank god everyone was ok - he ran into the back of a car which then shunted into the one in front of that - all 3 written off! Thing is, it was my car .

I'm insured fully comp with him as a named driver and he's insured fully comp for his car which says he's insured to drive other vehicles. I've been looking through the documents, but don't know whose insurance company will have to deal with this. Don't suppose anyone can tell me?

Thank you!

I think someone was talking about this the other day - you have to inform all relevant insurers if there has been an incident - even if you don't intend to claim. So tell both and let them sort it out.

When you have 3rd party to drive all other cars theres normally a clause that says "except for if theres other insurance that covers you" (or so to speak)

It is therefore YOUR insurance that will have to pay for the damage to ALL the cars that were involved in the accident.

Thats how it works.

However when you phone for quote next time and they ask about YOUR 'accident history' it hasnt gone up, tho your CLAIMS have, and he will have to declare this accident when he renews his insurance for the 5 following years!

I really can't see why we should all be so afraid of mentioning our child's achievements and of being proud of them. I am imensely proud of my daughter for all manner of things, not just academic/learning type of things but allsorts. And why shouldn't I mention it to people?

There are times where tact is required I agree, and I would always use caution in such circumstances, but really....

Sorry - worng thread (How did that happen?!!!)

Thanks everyone - looks like my company is sorting it out, but they've asked for dp's insurance details but we're still confused at this point as to which one will definitely be paying. Dp's insurance policysays that as long as he was driving my car in the UK with my permission, then he's covered. And they've told me i've lost my no claims I'll let you know.

I work in insurance and the other posters are correct. The damage to your car will need to be claimed under your insurance policy. The damage to the other parties is covered under your dp's insurance but the normal route would be for it all to be dealt with by the vehicle's insurer.

If you split the claim between the two insurers, you will both lose your NCD.

I personally wouldn't get his insurers involved.