Quite bizarrely, are you also named on her policy as a named driver? Not sure why, but that has actually reduced my insurance before when I name my wife on my policy and visa Verda.
Declare it otherwise if she needs to claim in the future they could claim that non disclosure invalidates her cover. I think (not 100% sure) that you have to declare all claims or “accidents” irrespective if you followed it up with a claim. I witnessed a car roll accident in 2020. Because I took...