Help!

lynwatkins65

I previously had a lease car with via my job (NHS Staff) during which time there were 4 incidents (a scratch, 2 dents and the wing mirror pulled off). I was insured under the NHS group policy.

I now have my own car and are desperately trying to get insured, however I'm getting quotes of 4,000 due to these 4 'incidents' which I didn't realize would affect me so badly I'm on my 40's and have been driving for years - there must be a way around this!

I wonder...do I have to declare these 'incidents' as technically the insurance wasn't in my name?

Any help would be greatly appreciated xx

forgotmyname

You could fail to declare them, But they will be recorded on the CUE database, So the insurer will happily take your business for £2000.

Then a week later ask for another £2000 or they will cancel the policy for failing to declare/fraud.

1 policy cancelled for failing to declare/fraud + 4 incidents = £10,000 please.

You made the claim so techincally it was in your name.

InsideInsurance

Irrespective of if you claimed or not then in theory you should inform the insurers anyway - obviously the majority of people dont. Given you have informed them then they may well be on the CUE database, though not all insurers subscribe to it

There is nothing you can legitimately do to avoid the issues you have other than wait the 3-5 years for them to drop off of your history and for you to start building your own No Claim Discount (which will be the other big problem you have as the majority of people have 60-70% NCD)

Of cause you could fail to declare them and commit fraud but hope either that the NHS doesnt upload data to CUE or that your chosen insurers over the next 3-5 years don't check CUE.... if they do then your insurance is void and your premiums will at least double

rs65

You could use the following to see what is held on CUE for you.

http://www.insurancedatabases.co.uk/media/2893/data_subject_access_request_form.pdf