You still have to declare it, whether you claim or not.

The question is usually along the lines of "have you had any accidents, claims or convictions in the last 5 years".

The answer to that is "yes".

You still have to declare it, whether you claim or not.

The question is usually along the lines of "have you had any accidents, claims or convictions in the last 5 years".

The answer to that is "yes".

Whilst I don't condone lying or deceiving to your insurance provider, I honestly think some people are too self righteous about this.

If you have an accident and resolve the situation amicably between yourselves I see no benefit in informing your insurers, and I find it hard to believe anyone would. Its easy to say on an internet forum that you would, but would you really? Honestly? I know I wouldn't.

If you have an accident in a company car on a company policy do you need to declare this on your personal policy? If your company claims on such a policy is this classed as you that has claimed?

The whole world of insurance is too complicated for its own good.

If you have an accident in a company car on a company policy do you need to declare this on your personal policy? If your company claims on such a policy is this classed as you that has claimed?

The whole world of insurance is too complicated for its own good.

Yes you do, and it affects in the same way.

Wifey reversed into a high kerb trashing the sill on one of our previous cars. By the time I took the excess into account I had it repaired myself. Personally anything less than £500 (this may be even more depending on your circumstances) isn't even worth considering going via the insurance company as they'll have it back in increased premiums anyway and if you have another (more serious) bump before you get the premiums back down again it'll cost you even more.

If you have an accident in a company car on a company policy do you need to declare this on your personal policy? If your company claims on such a policy is this classed as you that has claimed?

The whole world of insurance is too complicated for its own good.

Yes and yes they can find out as when you claim on the company insurance you need to give driving licence number and your home address along with dob.

You still have to declare it, whether you claim or not.

The question is usually along the lines of "have you had any accidents, claims or convictions in the last 5 years".

The answer to that is "yes".

I suspect/hope that, since last week's change in the law, that the question in future would be a little bit more specific.

Now that the onus of disclosure has moved away from the proposer, I don't see why, if asked such a question as above, anyone would need to declare that their (unoccupied) car was damaged on a car park - is that really 'having an accident'? - might as well tell them about the time you put salt in the sugar bowl!

However, if in doubt, better to ask someone in the industry rather than rely on ill-informed internet opinion.

I suspect/hope that, since last week's change in the law, that the question in future would be a little bit more specific.

Now that the onus of disclosure has moved away from the proposer, I don't see why, if asked such a question as above, anyone would need to declare that their (unoccupied) car was damaged on a car park - is that really 'having an accident'? - might as well tell them about the time you put salt in the sugar bowl!

However, if in doubt, better to ask someone in the industry rather than rely on ill-informed internet opinion.

Truth, nothing but the truth, but no longer the whole truth

If you take out an insurance product from 6 April the Marine Insurance Act 1906 will not apply. Phew. That was the Act which said even if the insurer did not ask you something you still had to tell them about it even if you thought it wasn't relevant to your claim. The new Consumer Insurance (Disclosure and Representations) Act means the burden is now on the insurer to ask the right questions. And even if something emerges later it cannot just refuse to pay out the whole claim.

Our house insurance changed their policy stating that we had to have a 5 lever lock. I didn't see the memo. Luckily having been stung in the past by the get out clauses I pay bi-yearly to have one of their vultures out to assess the house.

It was discovered that our front door was 3 lever - and that even if access had been gained via another method this would have been enough for them to invalidate the insurance. No worries; I put a 5 lever lock in - and asked for my past 6 months payments to be refunded. Can you guess how that went ?

A few years ago a flatbed truck took off the front end of my car whilst I was inside a garage paying for fuel. Whilst it was being repaired I got a hire car (a BMW 320D which I could fit the baby buggy in and which couldn't drive straight because of low pro run flats) After it was all settled and my car was returned, I got a letter from *my* insurance asking if I wanted to pay for the hire car or take out a claim as the driver at fault didn't have enough insurance to cover that. It took some stiff letters from a legal-type friend to make sure I didn't pay that cost and that I received a letter stating that the 'accident' would not affect my premium or need to be disclosed in future as 'an accident'.

Last year, in start stop traffic on the nursery run a Mitsubishi **** Wagon decided to stop suddenly and try to reverse into a parking space we had both passed. Despite me reversing the 1.5m or so I could to the vehicle behind, whilst sounding my horn, he still hit me and and cracked my number plate & buckled my bumper. He then tried to say I was to blame since I was too close to him - luckily his boss; who's MDW he was driving was waiting for him saw the incident, called him a **** and told me to go and get a price to fix. I did, and it was free. I went to the local body repair place and explained exactly what had occurred and he said it wasn't worth the risk of finding out that the bloke didn't have insurance for that vehicle and rather than the £500+ fee it would have been under insurance, he literally just grabbed a rubber mallet, and put his hand somewhere under the bumper and *pop* good as new. the number plate cost me £25 from halfords, but on returning the bloke in question he only had 3 fivers and some change.

In summary; everyone is out to get you from every angle.

Whilst I applaud your ideology - don't let him take advantage of you for the sake of a sob story, do not end worse of than he is, just because he has a good story to tell - I guarantee he will use it again if you do. By all means go the extra mile, but don't pay for somebody else's mistakes unless they really are your friend, you owe them or you *really* believe, for example, that him not claiming on his insurance will somehow make cancer better.

Yes and yes they can find out as when you claim on the company insurance you need to give driving licence number and your home address along with dob.

I have never given my driving licence number or home address to my company insurer.

I have never given my driving licence number or home address to my company insurer.

You're employer will have.

nope, my driving licence number has never been asked for in 14 years of employment, come to think of it, they haven't asked if I have a licence.

nope, my driving licence number has never been asked for in 14 years of employment, come to think of it, they haven't asked if I have a licence.

Well that'll be a breach of the company insurance and the law then.

Every firm I have worked at an had access to a company vehicle as part of my role has required me to present my license annually to ensure I have one, and any points are known.

I will mention it when I am at the factory on Tuesday.

I will mention it when I am at the factory on Tuesday.

There is a possibility that they are using 'other measures' to ensure your eligibility - but you and I know that when the biscuit breaks, it's often left to the delivery man to clean up the crumbs.

I once lived in a rough part of Nottingham (when it only had rough *parts*) and after getting my company car keyed, and window broken twice - I was told all future damage would have to be covered personally. I asked to see the paper work for this and it turned out I was third party only on their car.... they had been forking out for the minor repairs. Heaven knows what would have happened if anything serious (write off / fire) had occurred... as the right to drive the vehicle was only implied in the contract. "right to drive" - sends shudders down my spine when I see builders trucks reversing up my street.

If you have an accident in a company car on a company policy do you need to declare this on your personal policy? If your company claims on such a policy is this classed as you that has claimed?

The whole world of insurance is too complicated for its own good.

I drive fire appliances, and I'm supposed to mention it to my personal insurance if I was ever to have a crash. Touch wood.

Just been to get a quote for the damage on my car from my m8 and he said the insurance company should not increase my premium with protected no claims bonus, I'm entitled to 2 free bumps in three years without losing my no claims bonus and effecting my premium. He said the insurance companies say this to scare you from claiming on your own policy and suggested I claim with this company and then change when the policy comes to an end to another company. I do change every year anyway to get the best deal but he said I wouldn't have to declare the claim with the new company as that is the whole point of paying for protected no claims, confusedo_O

To do the job properly I'm going to need a new bonnet a standard bumper, front sport bumper spoiler and a colour match respray, I'm looking at a £1,000 all in. Alternatively I just get the front sports spoiler sorted which my colleague damaged, £280 plus vat for a new sports bumper spoiler (VW price) with painting and fitting on top £500 ish =-O

Edited 15 April, 201313 yr by billywhiz040480

No offence but sounds as though you are making a meal of this.

Alert your insurance company, tell them he has admitted liability, get things fixed, at renewal confirm you have had a no fault accident, move on.

Stats show the insurance companies that people who have an accident whether fault/no fault are more likely to claim again In the short/medium term, that is why your premium might go up but you keep your no claims discount.

Simples.

Well that'll be a breach of the company insurance and the law then.

Every firm I have worked at an had access to a company vehicle as part of my role has required me to present my license annually to ensure I have one, and any points are known.

+1 on this. I work for BT and they have a formal automated electronic process which requires managers to view and sign this off each year for every engineer they have who drives a company vehicle.

I think if you have a non fault, the at fault persons insurance should be paying a single lump sum to cover the increased costs of insuring you.

Why the driver should have to pay even if it's not their fault, is beyond me.

Insurance companies that have fixed prices once are more likely to try and do it again. As such we're going to fine them every year, as the risk of them needing regulation is higher.

Seriously?

Just been to get a quote for the damage on my car from my m8 and he said the insurance company should not increase my premium with protected no claims bonus, I'm entitled to 2 free bumps in three years without losing my no claims bonus and effecting my premium.

No, this is not correct. Your no claims discount is not affected, but your insurer can change your underlying premium however they decide - you'll just get the same % discount off that premium. Bear in mind some insurers increase your premium on renewal simply because you're not a new customer. Shopping around at renewal time is the best bet.

Just done a check on moneysupermarket now as a new customer with my current company and same policy for £365 that's £105 less than what I'm paying now. With declaring the claim not as my fault and no loss of PCNB its only £385, that's still £85 less than I'm paying now so worth doing really considering my situation ???.com

Edited 15 April, 201313 yr by billywhiz040480

There is a possibility that they are using 'other measures' to ensure your eligibility - but you and I know that when the biscuit breaks, it's often left to the delivery man to clean up the crumbs.

I once lived in a rough part of Nottingham (when it only had rough *parts*) and after getting my company car keyed, and window broken twice - I was told all future damage would have to be covered personally. I asked to see the paper work for this and it turned out I was third party only on their car.... they had been forking out for the minor repairs. Heaven knows what would have happened if anything serious (write off / fire) had occurred... as the right to drive the vehicle was only implied in the contract. "right to drive" - sends shudders down my spine when I see builders trucks reversing up my street.

Most company cars are covered by an umbrella policy that covers all the insurance for the company (liability, regarding premisesI etc etc)

A breach in the car part can easily void the whole policy, so any good firm will have their car policy nailed down to ensure no unauthorised mods, all drivers validity to drive are checked (especially for vans as became separate test around 1996) and any points and disqualification are known and reported to the employer ASAP.

For example some won't cover even common medical conditions which are fine on your private policy, and if you've had a ban following drink driving you're employer will struggle to get you covered and will likely make you pay any loading.

I'm also having similar problems with my insurance. I don't understand why my insurance is always going up every year even though i've got 5 no claim bonuses and get a new one every year. On top of this i haven't claimed for over 5 years, so my insurance should be going down shouldn't it? It used to go down in the past, now it's just going up gradually every year.

Are you changing insurer each year or keeping with the same? The latter is almost never a good option. I've only once in my life had a renewal quote I accepted - it came out almost identical to the lowest price on a comparison site and was lower than their new quote, as if they had checked before sending it out.

I pay less each year, except when I change car and it goes up again.