I also learned that my industry-shared insurance file had a 'householding' marker because of my wife's claim - not the same as a fault claim recorded, but results in around a 5% premium hike for me... Grrr.
Interesting. How did you find that out?
The guy I spoke to in the underwriting department of my insurer told me. It was visible to him in my file on the industry-wide database that underwriters use to prevent fraud and tailor underwriting. He was able to tell me the date/reg/insurer of my wife's claim - but not the amount. He explained that, statistically, people who are in the same household as a prior fault claimant have a modestly higher risk of future claims, so they reflect this. This may not seem fair, but their statistical correlations are all that matter to them.
