Checking Renewal Details

[Bazile]

Got my car insurance renewal documents , recently .

Checking the details , i realised that i had not told them that the number of cars in the house hold has gone from two cars down to one car , during the current period of insurance

Will I be in a spot of trouble for not telling them at the time - when i do tell them now ?

[CrapAtCryptics]

I wouldnt have thought going downwards would bother them to much - do you get a discount if you only run one car?

[New Judge]

I should not think so, baz. The reduction in the number of vehicles has decreased their risk so I would not think they'd be too troubled.

As an aside, have a good look round before renewing. Every year my insurance at renewal increases considerably (this year, with Churchill, it was 28%). I nearly always change insurer these days as loyalty does not pay at all. Most years one or other of the companies is offering a deal for new business (which willl obviously be withdrawn at renewal). By searching round this year I achieved a 5% reduction rather than a 28% increase,

[Bazile]

I should clarify the situation .

The second car was my daughter's , who has left during the last two months or so , after getting her own house .

Although i was not on her policy and did not drive her car - i understand that insurers offer a discount in individual policy premium ,for simply having more than one car in a household , even if you are not a named driver on the other car policy

[Bazile]

How many cars in household is a specific question asked on insurance forms .

So i would have got a discount for my premium when i took out policy and in subsequent renewals .

During the current insurance period , the facts changed .
Therefore should i have informed them, at the time of the change ?

[Hopkirk]

I wouldn't worry, you answered honestly and correctly at the start of the policy and it is a minor detail.