While the nice answer would be 'no, that was on her policy', the truth is that your premium is based on your risk factors. This includes those of your named driver. The question is normally 'have you had any accidents, claims or convictions in the last 3/5 years?'. This question applies separately to each driver. Accidents reported to all insurers are recorded on the MID - motor insurers database. Therefore, if she needed to claim on your policy at any point, your insurer would first check the MID for any info such as other claims, convictions etc. Finding your wife's claim on there, which you had not declared, they would automatically reject your claim - they wouldn't pay out. This could be expensive if she's just written off your new car! Also, they could then refuse to insure you or your wife in the future for non-disclosure.

It could cost you more now, but save you money and tears in the long run if you declare the truth now.

(I spent many years in the insurance industry!)

My wife is a named driver on my policy and also has her own car & insurance. She had a small claim on her policy last August against protected no claims.

Ordinarily, i wouldnt have thought about whether or not i should advise my insurance company of the claim until my renewal. My policy is not due for renewal until April but i am getting a new car next week and want to know whether i should advise them of the accident as well.

I'm not trying to hide anything, but its not something i've ever done mid policy term in the past and the point came up in discussion - but no one seemed to know the definitive answer.

Any help/advice would be appreciated