Does accident on company car insurance count on personal policy?

SuperstarBeeJay

Ok,

Basically, my partner has a company car which I am a named driver on. As it's a company car, she doesn't have her own policy, it's the company's. I also have my own car on which she is a named driver.

About nearly 2 years ago she had an accident in her car that was her fault and the company claimed. I then bashed the wing mirror in her car about 12 months ago and that was also claimed on the company insurance.

I am about to renew my personal policy but am a little confused. I have 5 years no claims with my current insurer on my policy. In the past they have always asked me if I have had any claims in the past three years to which I have answered no for both myself and my partner as neither of us have claimed on our insurance.

I have now noticed in the 'information' that 'claim' means 'claim or accident'.

So, have either of us made a claim, despite no claims being made on my policy? Will saying that I have had an accident invalidate my no claims?

Someone please help clarify what's going on. When's an accident a claim and when not?

Cheers

tom188

It shouldnt affect your no claims because that relates to the policy but you must declare it.

iceicebaby

You must declare any losses or accidents you have had in any car on any policy. So yes you must tell them

SuperstarBeeJay

Thanks for the replies. I was more concerned that a claim on someone elses policy could invalidate my no claims. As long as that's not the case, I'm happy, cheers.

scope

You will probably find it will effect your premium though, an accident is an accident, regardless of policy it happened on.. Try 2 quotes, one with the claim, one without, and you'll see if it matters.

lemontart

scope wrote: »

You will probably find it will effect your premium though, an accident is an accident, regardless of policy it happened on.. Try 2 quotes, one with the claim, one without, and you'll see if it matters.

whoa - if you are asked if ever claimed on a policy you must say so, however if she is not going to be on the policy you may not get hit - but you must declare it as they could use against you in future,

Liz
xx

Bossyboots

The question usually asked is whether any driver on the policy has had an accident or claim in the last however many years so if she is not going to be on the policy or driving the vehicle then it won't count. Otherwise, they should be declared. I am a bit concerned that one was nearly two years ago. Have you had a renewal since then on which you didn't declare that accident?

scope

lemontart wrote: »

whoa - if you are asked if ever claimed on a policy you must say so, however if she is not going to be on the policy you may not get hit - but you must declare it as they could use against you in future,

Liz
xx

Yes I didnt mean for the OP to pick the cheapest one, but if you get 2 quotes, one with the accident and one without it, both with the same NCD, I think you'll see it does effect your insurance premium, even though your NCD is the same.

If it is one thing I am a firm believer in its to have your insurance in order, because they day you do need it, and if it is incorrect, you'll wish you had told the truth.

SuperstarBeeJay

Thanks for all the advice. To clarify again, I am going to declare both of our accidents properly and yes it will add about £100 to the premium. My concern was if it would retrospectively effect my no claims discount.

When my OH had her accident the company incorrectly told us that we didn't need to tell my insurer as it was nothing to do with them. As I said before, my policy only asked if either of us had made any claims in the past 3 years. This is still the case in my renewal. I didn't think I was lying when I said I hadn't made any claims, as neither of us have. The question specifically said, "claims", not "claims or accidents". Hence the confusion and my not informing them.

I now realise I should have done about both accidents.

Anyway, thanks for the help.