Claim or not

akh43 · 7 September 2006 at 11:44AM

I am currently getting car insurance quotes and there is one thing I am not sure on.

In december 2004 had a slight bump (no damage to my car or as far as I could see to other car) the other car took my details, so to cover myself I informed my then insurer (tesco). Nothing ever came of this I didn't claim nor did the other party.

Is this classed as a claim when I am getting a quote? Other than this I have 4 years no claim and my currently insurance renewal states this.

When I mentioned it my new insurer last year my premium went up, but should it if neither party claimed?

Any comments appreciated.

gazhawkins · 7 September 2006 at 7:02PM

In my humble opinion, this shouldn't be classed as a claim - basically because neither party claimed.

In theory, because you've had a bump (even though zero cost) - this might increase your risk profile to potential insurers - depends on the insurer I guess.

When applying for new insurance, you're obliged to disclose all material facts (ie previous claims, incidents etc.) - which doesn't help you in this case.

Quinny_2 · 7 September 2006 at 8:25PM

And another thing.....

Check your insurance through Quidco.

Mine is due for renewal on 14/10,and I did a quote through Prudential last night,via Quidco,who are doing £100 referral,and it still came out cheaper than anyone else.

ESure were £90,but this goes down to £45 on 1/10,but whatever,you could save yourself a bundle.

Example:

I did Esure direct to their site,and it came out EXACTLY the same,to the penny,as doing it through Quidco,but Quidco would pay ME £90 if I went through them!!!!!

Remember though,that not every insurance company will suit everyone,but guess where I'll be renewing mine...........

Ken.

akh43 · 8 September 2006 at 12:58AM

Thanks for the replies.

I have mentioned the "claim" when getting quotes even though there is often no option for type of incident as last year had totally forgotten about the incident and then remembered after I took out my insurance. I phoned up the new insurers and my insurance went up £35!

I do intend to go through quidco but at the moment am looking through individual sites to find out who is the cheapest and then intend to go back to quidco and apply, my insurance is due on 26 september so have got a couple of weeks yet.

Thanks.

Bossyboots · 8 September 2006 at 7:32AM

Churchill ask whether you have been involved in any accidents in the past three years and if you say yes they ask you to explain. My OH and I had both been in accidents prior to first insuring with them and I have had one since but all were non-fault and although I had to mention them, they did not affect my premium. (I checked online first and the quotes remained the same with or without them declared). I didn't even put the most recent accident through my insurers as I claimed direct from the third party insurers, but I still had to inform them of it.

mikey-mike_2 · 9 September 2006 at 2:17PM

Some companies charge for “no-fault claims” some don’t. (my company (elephant) do, my SO’s (direct line) don’t)

I had a no fault and it added £100 to renewal price but that was on a group 20 car so it might also be the car.

End of the day, anything that is on the insurance company “incident” database has to be reported to your company otherwise they will use it to wriggle out of paying a claim.

On the other hand, any extra costs incurred as a result of an accident that wasn’t your fault can be reclaimed from the at fault party.

Claim or not

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