Insurance claim Q

I am wondering if anyone knows the answer to this.

Basically, the mrs and I both have our own car but we are both named
drivers on each others policies so we both have fully comp cover on
each car should the worst happen.

If she hit someone elses property with my car, who's insurance policy
does the claim go against? mine or hers - her policy says she can
drive anything 3rd party but she is a named driver for my car?

Cheers in advance.

 

Whichever one you want it to (for the 3rd party damage) AFAIK. Just as
long as you don't claim twice for the same thing.

 

You need to check the wording of the individual policy. Most have something
like "4. Other insurance. If you are covered by any other insurance for the
incident which resulted in a valid claim under this policy, we will only
pay our share of the claim."[1]

An insurance company could use this clause to settle the claim from both
policies, 50% each. This is very likely to happen if the vehicles are
insured by different companies as it is a win, win situation for them both
i.e. a reduced payout plus reduced NCB/higher premiums on both policies at
renewal.

[1] direct quote from a Groupama policy

 

Congratulations! You just precised the OP ... but not in a good or
useful way.

 

I can't answer that, you'd have to ask the OP. He asked which policy
the claim would be levelled against. You reiterated the OP, but
without asking the question and without answering the question.

To point out your fuckwittery. NAHAY?

 

If W=What, he asked "who's insurance policy does the claim go
against?". A good question, ignoring grammatical errors.

If W=Why, I imagine because he wants to know the answer. His missus is
covered against third parties by both policies, so it's not obvious
which policy should be claimed against.

It was potentially useful to point out that your post was a bit dumb,
only actually useful if you understood that. Which you don't seem to
have.

 

This *is not* me in disguise, honest

 

Tell the bitch to claim on her own policy and pay the increased premium
for the next few years.

 

(SteveH) wrote in :

even if she claimed on the OP's policy her premium would be loaded as she
would have to declare the claim. So, if possible it would be cheaper in the
long run to trash just her policy (as long as there is no own damage claim
to be made by the OP). On renewal the OP could remove her from his own
insurance to keep his policy squeaky clean.

 

Oi, **** off !

This is *my* job !

Beginner

 

I understood the question. You, apparently, didn't realise it was a
question.

So she has a bump and he loses his NCD. Care to elucidate on the
"underlying problems"?

I'm well known for it, hence the posting name. You appear to be the
new retard on the block and you're getting plenty of mileage out of it.