s'funny you should mention that DB….
my insurance is up for renewal and I talked to admiral. they had a record of an "incident" in my name back in 2008, and I had no idea what it was (and haven't declared it to my current insurers because I naively didn't think it was relevant). I said I had no recollection of any claim until it dawned on me that was when you tried to get intimate with the clio 😉
I said it was irrelevant because it was on lisa's policy but they stated that incidents stay with the policy if the policyholder is involved, otherwise they are on the driver. I said "well, it doesn't matter because it was a non-fault claim" but lo and behold the b**tards turn round and said to me "statistically if you have been involved in a claim or an incident you are more likely to claim again" I told them that was total b0ll0cks but it affects my premiums on the aggregator sites if i declare it now.
the worst bit is if I add the wife on my car my premium goes up significantly because she has the claim in 2008 (non fault) and another as of Christmas day this year because some stupid **** reversed out of his drive without looking.
I hate insurance companies and the soulless actuaries that work this crap out..