If it's a no-fault accident as regards your wife and that's been agreed, then shouldn't affect anyone's NCD except that of the driver who caused the accident. Even if it was her fault, would have thought it would only affect the company car NCD, and not your private car insurance or the plated vehicles.
(Of course, if it was her fault then she'd have to declare it when renewing the private car and plated vehicle policies, so to that degree the premiums could increase.)
But it's a minefield, and to be honest I don't really know the answers. And even in a straightforward no-fault scenario they could increase your renewal premium anyway, so it doesn't matter whether or not you've lost your NCD anyway
As for whether to inform your insurers in the meantime I'm not sure, but it would certainly need to be declared at renewal time, but again shouldn't affect the premium if there's no fault on her part.
As regards informing the council, your conditions look like the bog standard ones used by Scottish councils. So to that extent I don't think the council needs informing unless there's a specific offence or conviction, or if the accident involved a plated vehicle.
Scottish Borders Council PHD conditions wrote:
18. The conviction of the private hire car driver or of the holder of the private hire car licence for any crime or offence and the endorsement of either such person’s driving licence with an offence or penalty shall be reported by the private hire car driver to the Licensing Authority as soon as practicable after the conviction or endorsement becomes known to him.
https://www.scotborders.gov.uk/download ... itions.pdfScottish Borders Council PHC conditions wrote:
3. The holder of a private hire car licence, when the private hire car is damaged in a vehicular accident or by any other means, shall report the damage to the licensing authority as soon as practicable and, if the private hire car is roadworthy, he shall present it for inspection within the following two working days (being days on which the garage nominated by the licensing authority to carry out such inspections operates) after the occurrence. As soon as repairs to the private hire car have been completed, the private hire car shall again be presented for inspection. Unless the inspecting garage confirms otherwise, the vehicle shall not be used as a private hire car from the date of first presentation for examination until it has been re-examined by the inspecting garage after the repairs have been completed and passed by them as being fit for use again as a private hire car.
https://www.scotborders.gov.uk/download ... itions.pdf