My wife had an accident and wrote off her own car, and two others. One of the other cars was mine. She had protected NCD (75 per cent). I claimed for my damage against her. Despite her NCD remaining at 75 per cent, it appears that her premiums are a lot higher than she would have expected them to be. Understandable, as we assume they are starting off from a higher premium before deducting the NCD. On the other hand, she did pay to have her NCD protected.

Also, I am insured by the same company, with my wife as a named driver. Looking through my insurance details, I noticed that I have been credited with two claims. OK, I claimed against my wife, but that shouldn’t go against me. Or am I getting these two black marks because my wife is a named driver? My premium is nearly three times what it was three years ago.