I have two cars and my wife has one and we have significant NCD on all three vehicles. The discount has been earned separately in each case, and we are the only drivers on each car. Earlier this year, one of my cars was damaged in a car park while being used by my wife. We made a claim that was duly paid and no other party could be identified. The premium then went up, which was perfectly fair. I am now about to change my other car and have been looking around for insurance. Logic and fairness would suggest that a claim on one policy should not affect the others as the NCDs were all earned separately, but I am unconvinced that logic and fairness are commodities that have much currency in insurance matters. Given companies efforts to minimise liability, can you advise on whether I am obliged to declare the claim when renewing the non-involved policies or not, and if so whether I have any possibility of arguing that it should be disregarded?