If your car has been involved in an incident, your wife is the named driver on the policy, both things will flag up on the Claims and Underwriting Exchange. You could try and feign ignorance and advise you thought you did not need to, as it was not your fault and your wife was driving. It still will not matter, as they still ask "has your wife had any accidents or claims in the last five years". With insurers, always tell them everything, never give them an opportunity not to pay out in the event you need to make a claim.