Car insurance help needed

[Tossed and blown]

For reasons best known to herself my wife decided to wipe the nose of her vehicle down the side of my old but (up until a few days ago) tidy motor. Both are insured fully comp in our respective names but the V5s are both in my name. Her insurance has agreed to pay for her vehicle but phoned yesterday to say they wouldn't cover mine as I 'have a financial interest in both vehicles'. I pointed out that since we are married that would be the case if the V5 was in her name and the complaint has been referred a little higher up the food chain, but I do not anticipate a spontaneous change in sentiment from them. My broker says they are talking nonsense but cannot act on my behalf unless I start the claims process with my policy which will almost certainly result in the loss of my no claims. Looks like this will head to the ombudsman but I seem to recall there's a couple of insurance fellas on here?

 

Any advice appreciated. Funny remarks less so.

[Trumo]

Just to confirm, are both vehicles insured by the same company (underwriter, not broker)? When you insure more than one vehicle with the same insurer - even if the policyholder is different for each vehicle - insurers can be absolute cunts in situations like yours. I've heard that Admiral are like this with their multicar policies.

[Tossed and blown]

Just to confirm, are both vehicles insured by the same company (underwriter, not broker)? When you insure more than one vehicle with the same insurer - even if the policyholder is different for each vehicle - insurers can be absolute cunts in situations like yours. I've heard that Admiral are like this with their multicar policies.

 

Good point, but I'm pretty sure that mine is a different underwriter. It certainly isn't a multi-vehicle policy; I'm named as second driver on hers and vive versa.

[Tossed and blown]

Definitely different underwriter.