Do i need to inform insurance company?

lemoncake2

Hello

I am making a claim against a private company's public liability insurance due my car tyre being punctured by loose debris in their carpark (this is an on going issue). Do i need to inform my car insurance company of this claim? Thanks

hugoshavez

Yes, you are supposed to let them know.

Quentin

lemoncake2 wrote: »

Hello

I am making a claim against a private company's public liability insurance due my car tyre being punctured by loose debris in their carpark (this is an on going issue). Do i need to inform my car insurance company of this claim? Thanks

Yes.

This will also have to be disclosed to any other insurers you approach for quotes over the next 3 to 5 years depending what length of history required.

Captain_Shambolic

The question is usually 'have you had any accidents claims or losses in the last x years?' Irrespective of if you have claimed through insurance or if it was/wasn't your fault you have to declare it.

rs65

I know the above posters are technically correct, but I wouldn't advise my insurers about a puncture.

Excited13

rs65 wrote: »

I know the above posters are technically correct, but I wouldn't advise my insurers about a puncture.

Whilst I can see your point of view it is possible the other insurers have recorded the details on CUE. If you fail to disclose and the new insurers conduct a check your policy may be voided which would cause a lot more issues.

hugoshavez

Excited13 wrote: »

Whilst I can see your point of view it is possible the other insurers have recorded the details on CUE. If you fail to disclose and the new insurers conduct a check your policy may be voided which would cause a lot more issues.

Unlikely IMO, but then it's five years + since I last used CUE motor regularly.

rs65

Excited13 wrote: »

Whilst I can see your point of view it is possible the other insurers have recorded the details on CUE. If you fail to disclose and the new insurers conduct a check your policy may be voided which would cause a lot more issues.

Do PL insurers give data to CUE?

The car park owners may not even involve insurers due to excess levels.

dacouch

rs65 wrote: »

Do PL insurers give data to CUE?

The car park owners may not even involve insurers due to excess levels.

I'm not sure but it will be difficult getting the type of claim the OP has paid

Excited13

rs65 wrote: »

Do PL insurers give data to CUE?

The car park owners may not even involve insurers due to excess levels.

Both EL and PL insurers use CUE. You have brought up something I hadn't thought of and if it is a low value claim they may be dealing themselves and therefore my previous comment is voided.

dacouch

I would be inclined to ring the Insurers I'm getting quotes from as punctures are generally not covered by policies so most companies would not see it as a claim / incident