Insurance Query

[bekah]

Hey guys,

I was a named driver on my partners business insurance last year, when I had a small bump (My fault) The guy tried to claim everything, but the police threw it out and he just got the repairs for his car (around �400).

Now that I have bought my own car, do I have to declare this accident, as it was not on my own policy? I tried to put in that I'd had an accident on confused, and it bumped the policy up �300, seems ridiculous, as I literally went into the back of the guy at 12mph.

Thanks

[homer75]

When you submit your details to a site such as 'confused.com' it forwards them to several insurers in order to find the best quote. You can rest assured that these details will have been stored and if you try to 'backtrack' by not declaring the accident it will most likely be flagged up on the various databases. Best to declare it and avoid the possibility of any policy becoming void due to non disclosure of the accident.

[ugly_bob]

but isn't the question specifically 'Have you made a claim, regardless of fault?'
Then, surely it should only apply to the policy you are renewing, and not a separate business policy.

[Catso]

If it asks about claims, you are supposed to report any claim you make, on any policy. They ask the question to get info about your past history of accidents/claims; just because it was claimed on another policy doesn't mean to say it isn't part of your history.

Having said that, as previous answers have intimated. many people don't.

As homer says, the problem comes when you do make a claim, and they somehow find out about your omission. In the worst case, they could cancel your insurance.

I would be careful, as companies are exchanging much greater amounts of data than ever before.