Help...I think I've completely ballsed up my car insurance?

[DavinatheNotsoGoodDriver]

Being completely unknowledgeable about all things to do with cars and car insurance I think I may have well and truly messed up.

I had an accident which was my fault. I'm insured under Third Party. Claim is going through from the person I bumped however I think I've made a right mess with the insurance.

The car was insured under dh's name with me as a named driver. When I did the quote I entered his no claims from another car as that was what I knew he had, anyway, it turns out that you can't move the no claims between cars so now the insurance will be invalid.

What does that mean for me? Will I be reported to the police? Or will I be able to pay the difference in the policy or just have to pay the cost of the other persons repairs. DH is going to go banana's when I tell him about this. I wish I'd got him to sort it out

Help - as you can see I have absolutely no idea about any of this and am sick with worry

Is your insurance company not just prepared to get you to pay the difference in the cost of the original policy?
I find this strange as insurance companies always ask for proof of no claims bonus at the start of the policy.
Do you mean the no claims bonus was still being used on the other vehicle when you say it cant be transferred?

I'm the main insured driver on both of our policies and my no claims is 10 years+ which I have earned through various cars and insurance policies. I put 10 yrs on both policies as that's what I have.

It shouldn't matter that it's from a different car, it's about the driver and the number of years that they have been driving without making an insurance claim.

It would only be a problem if he was only the named driver on the other policy, therefore the NCD would not be his. Just like you couldn't use his NCD for yourself on your own policy.

Who told you about the problem with the no claims? It sounds as if there are wires crossed somewhere.

Yes - the NCD was being used on the other vehicle.

So, its about the driver then? The insurance company have told me the wrong information then.

How many years has he had an insurance policy and not claimed?

When I took out my insurance I had to send them proof from the old company that I had as much as I said. It was from a different car as we scrapped the old one but the NCD was fine to use on the new car. They didn't quibble it all.

It wouldn't make sense if your NCD ended everytime you bought a new car.

If I were you, I'd ring again and check with someone else about it, or tell your dh what they said and get him to ring. It may be that the person you spoke to didn't get what you were trying to say or you weren't giving the right info as you weren't sure what they were asking.

Either way, check it again. It sounds very odd to me.

The no claims goes with the driver. The insurance is for a person to drive a car, not for the car to be driven IYSWIM.

You may have a problem if you are the main driver of the car and you told the insurance company that your husband was? Could that be complicating things?

Ok - so dh is the owner and main driver of both cars. I am named driver on one.

So just to clarify the NCD can be used on both cars at the same time?

DH has 5 years NCD and has never made a claim.

I didn't think the NCD could be used on more than one car at once. But I could well be wrong - I don't know what happens when you are the main driver on more than one car.

Has he built up the NCD separately for each car ie if he has 5 years NCD he would need 10 years altogether IYSWIM.

I've been doing a bit of investigating about this today as I was starting to panic about my own situation and wonder whether I had it completely wrong. I didn't realise from your OP that your car was the 2nd car rather than a replacement.

I found this info which makes for interesting reading and confirms what Idris said.

According to DH, I have 2 separate NCDs - not sure about the ins and outs of how and why, he did start to explain but I was watching X Factor and wasn't concentrating . But that's why I can be main driver on both and have full NCD on both.

Ok - thanks - it's so confusing isn't it?

Will call them again on monday and see what I can sort out - phew...

you can't use a ncb on more than one policy at a time - if you havee 2 caars you can use the 10 years on the one car policy but have to staart 0 on the 2nd - sorry i work in car insurance. just say you misunderstood and they should be quite understanding and let you pay the difference - it wasn't intentional

yes... if you get another car, in addition to the one that you already have a no claims bonus for, then the other car cant use the same NCD as the 1st car (that is still insured and using its NCD)

When my dad (who had 15+ years no claims bonus) got himself another car (so had 2 cars rather than 1) the other car had to have 0 years no claims on the policy....
(however as a driver who had made no claim in a long time the quote itself wasnt that high, but didnt have X% for Y years no claims taken off the premium)