Hi there, after some advice.
I have two cars, a Volvo I use for work and an old Fiesta i rarely use. I have a policy for each with different insurers and my other half is a named driver on both cars (she rarely uses either to be honest).
The Volvo insurance has 8 years no claims discount and the Fiesta insurance has 7 years no claims discount. For starters is this even OK?! I have always had my own personal car which has provided me with the 8 years but also i used to have a company car for 4 years which i used to insure my fiesta which i have now had for 3 years, giving me the 7 in total on that one.
Anyhow, i had an accident in my Volvo last year (a very minor touch in the back of another vehicle for which i was at fault). There was no damage or injury to the other party but unfortunately the claim is still not settled (waiting for damage report still after 6 months!!) and i have just had my renewal quote through and as such it has more than trippled! I was told by current insurer that even though it is still not settled, the fact i was at fault will not change the renewal quote when it is settled.
My querey is, when my insurance is up on my Fiesta later in the year I imagine i will get an automatical renewal. Do i need to inform them of accident in my Volvo as it was on a completely different policy and car and totally unrelated to this one? If indeed that is ok, would i be better to ditch my existing insurer on the Volvo and add it on to the other Fiesta policy as a multi-car?
Hope this all makes sense...