Advice needed on car insurance

Quentin

In your OP you told us that your insurer had denied liability to the TP, and that you now have this incident and an unresolved claim on your record.

Your current insurer may or may not discover this, but either way your 1 year's NCD for this year's car insurance won't be affected.

When applying for new car insurance you do have one year's NCD (assuming no claims between now and the end of your policy year), but you do need to declare the pedestrian incident to any new insurer you approach for a quote.

McKneff

You have to declare it to any new insurance to cover your own back. The consequences of not doing so could have major
financial repercussions, much more than you could lose now. Please understand we are not having a go at you, we are
trying to help.

Rollingskies

Thanks, not trying to evade the law, but just common sense to prevail. I'm a careful driver/rider and have never had the slightest criminal record, not even a parking ticket in my life.

Of course I will declare on my new insurance (as it is applicable which I have only learned today it is). I can't hide it as they all share information so I guess any new policy will mean they can access some massive data bank. When I took out the car insurance it was all in good faith and there was nothing going, when the incident did pop up I never thought to inform my car insurers, as it was the bike on a different policy with a different company.

Seeing as my old policy runs out very soon I don't think it is worth the potential hassle of running to my almost old insurer and telling them something that happened 17months ago and looks like is probably dead and buried especially with the potential consequences of them all going nuts.

Many thanks for your help.