Car Insurance query, can you help?

Happy Days

She will be asked if SHE has had any claims or accidents in the last 5 years when getting a quote. The answer to this is yes. She does need to declare this to make the insurance valid.

The insurance company are unlikely to check the details out but they will ask things like when was it, what happened and maybe even ask how much was paid out/recovered. The insurance company can check but have to pay a small fee every time they do so will probably just take the details you give (it is the customers responsibility to disclose all facts).

Failure to tell them will probably not cause any issues until it comes to claiming. If the insurance company find that you had a previous claim/accident then they will want to review the whole policy before confirming if the insurance is valid or, more likely, if an additional premium is owed. This can cause delays in dealing with her claim and leave her without a car.

In honesty, a female with a single accident in the last few years is still a good customer in an insurance companies eyes so I don't think that she should be too worried about disclosing the accident!

desert_kats

if she was the driver and the damage was over a certain amount she will be surcharged for it. You have to declare all accidents or the insurance company can cancel the policy for failure to disclose. I both sold and handled claims for twenty years, the insurance industry is like big brother, they know everything.

Martin14th

She 100% does have to delcare it, not only will she possibly be getting herself into trouble, she will also invalidate her insurance.

poli_b2001

She will need to declare it, if she doesnt and has another accident her insurance company may not pay out. It will be on police records so best to tell the truth.

She was a named person on the other policy so not only has she knackered her own no claims but the main driver on the other policy as well

John H

If she does not declare it the insurance company will find it out one way or another via her driving record. If anything she will get quoted for a lower price, and when they find it a month or so later her insurance rate will go up and she will have no place to turn. Always being honest while getting your rates will give you a better idea what you wil paying and what insurance company to go with. Tell here to get a quote from http://www.surfquotes.com and include the accident, I bet she will save money and she will get a more accurate quote.

"Call me Dave"

She must declare it or else the insuramce company will "Find out" about this incident if she needs to claim on the policy.
The Insurance Company will prefer to offer a lower quote in the knowledge that they can refuse to pay out.
I know of a situation where a lady had an accident not her fault, she was charged and cleared, but because the guilty party evaded prosecution by dying at the scene of the accident her boyfriend, whose car she was driving, not only lost the no claims but had a 100 per cent additional loading applied. She had her own insurance at the time and despite notifying the Company her no claims was not affected.
The failiure to disclose will usually kick in if she needs repairs to her own car, and the plod may find out and proecute if it is the result of an accident and that driving uninsured in the UK is 8 points.

annie

She should declare it. Insurers have access to a general database so her name is surely in it- could invalidate any policy if she doesn't disclose details. It is relevant, regardless of whose name the policy is in, as it would affect the risk from their point of view.

stewiegriffin4president

Most insurance companies check a driver's history before they even write the coverage. If she was at fault for an accident, the insurance agent will find out, whether she lets them know or not.

Phish

She most certainly does need to declare this accident. She was involved, she was the insured driver (albeit on another policy) and she was partly to blame. This is a notifiable loss/claim, and if she doesn't declare this, she will be guilty of failure to provide material facts that will affect her insurance.

Loollea

it's best to reveal everything to the company up front, but, all companies are going to run an MVR and they will find the accident, if she didn't tell them about it they will look at it as if she were trying to hide it and will treat her accordingly

Chris

She does have to disclose it but if she doesn't the insurance company will find out anyway. They know all. If she was driving and had an accident it will be tracked to her even if she was just a driver on the policy.

Matt B

Definately yes - she is required by law to disclose her accident until such time as the insurers deem it irrelevant i.e 3 or 5 years time.
If she chooses not too she will for all intent and purpose be an uninsured driver as her policy alothough paid for will be invalid from minute one. Best thing she can do is make sure she knows exactly how much any resulting claim was and the accident type as these details can make a big difference to the premium.

Tiger01204

If when the accident happended she declared she was at the wheel - whether at fault or not - then she must declare it on her new policy application otherwise she is commiting an offence and woun't be covered.

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