A complicated one this.

I have 2 cars - one for my wife and one for me.

I want to sell mine but the insurance for both is due to renew today. I typically pay monthly, have 8 NCD for my wife and 7 for me. I have 1 claim (£4k) and 2xSP30s (one 3 years ago, one this year) and my wife has one claim (£14k) and one 3 year old SP30. We live in a very high insurance area and currently getting quotes of about £1k for my car and £800 for my wife.

A few months ago, my wife backed out of the drive and dented my car and hers but I never did anything about it.

What I now what to do is make a claim on my wife's new insurance for the damage to my car and hers but without the insurance company turning around and expecting me to make full payment as I pay by the month.

Is it better to:
a) Claim against my car insurance
b) Claim against my wife's

Any help greatly appreciated!

It is better not to claim at all.

Maxstream

Why do you say that? The damage to my car alone (which I'm trying to sell) would cost me about £450 and my wfie's similar...my NCD is procted anyway.

Protecting NCB wont stop premiums being loaded after a claim.

unserrer:Maxstream Why do you say that? The damage to my car alone (which I'm trying to sell) would cost me about £450 and my wfie's similar...my NCD is procted anyway.

I agree with Maxsteam here. Don't claim. Your will have to pay a policy excess anyway and the premium will be loaded next year moreso than a fault claim with no payout. You'll regret it if you do...

---

Coyote