Insurance renewal - Knocked kid off bike.

thespiderspeed

Back in July I was driving home when a young boy on a bike, shot across the road from behind parked cars. There was nothing I could do to avoid him and unfortunately I knocked him off his bike. Luckily he was okay and his mam was fine about the situation as it wasn't the first time he had done the same thing and told him off in front of me. After we checked the boy out we all left the scene and I went home. I reported the incident to the police as I wanted to make sure that I was covered in-case anything was later reported. A policeman came out a couple of days later and took my report and checked my details. He said that nothing would be done and it was only a matter of procedure. Nothing has happened.

Anyway I am now renewing my insurance and I am unsure if I need to declare this to the insurance company? Does anyone know?

smudger1964

I had a similar thing a few years ago a kid ran away from his mum and ran into the side of my car..he was ok but the police breathalysed me checked my car over..all was fine but he police said I HAD to inform my insurance company which I did straight away..and it was listed as "an incident" and it appeared on my renewal quote every time for 5 years I think that was with LV

Hintza

Tell them and it will cost a fortune over the years. Only you can weigh up if anything is likely to come of it. I know what I would be doing. Sshh........

loskie

according to the T&C's of your insurance you should report it but many would not. If you do it will add some risk factor and cost onto your policy.

thespiderspeed

smudger1964 wrote: »

I had a similar thing a few years ago a kid ran away from his mum and ran into the side of my car..he was ok but the police breathalysed me checked my car over..all was fine but he police said I HAD to inform my insurance company which I did straight away..and it was listed as "an incident" and it appeared on my renewal quote every time for 5 years I think that was with LV

loskie wrote: »

according to the T&C's of your insurance you should report it but many would not. If you do it will add some risk factor and cost onto your policy.

I only reported it to the police at the time. The policeman didn't advise me to inform my insurance company. I actually didn't even get the boy's details as the mam just wandered off.

It's only because I am trying to renew my insurance and the question came up about if I've been involved in any type of motor vehicle incident that I questioned it.

I remembered that one of my Auntie's actually worked at an insurance company and I've phoned her up. She has said that I need to declare it as the boy would have 3 years to make a personal injury claim. It's bloody typical, I've only been driving a year so can see my insurance going up.

gilbert_and_sullivan

If you don't declare it and a claim comes through in due course it will be whole lot worse for you, worse still you could have a real accident and then if the insurer discovers your incident free declaration was false all manner of problems are possible.

vaio

thespiderspeed wrote: »

........I remembered that one of my Auntie's actually worked at an insurance company and I've phoned her up. She has said that I need to declare it as the boy would have 3 years to make a personal injury claim. It's bloody typical, I've only been driving a year so can see my insurance going up.

The time limit for a PI claim is three years or until the child reaches 21 whichever comes later

thespiderspeed

Thanks everyone. Looks like I better report it to my insurance company and then declare it on my renewal/quotes.

scotsbob

You never know when the family may see an advert along the lines of "Been involved in an accident? Our no win no fee means you have nothing to lose and lots to gain" and they go hmmm.


Be wise and cover yourself.

straighttalker

If it was me, I wouldn't bother declaring it. No claim was made against your policy so no payout was made either.

dacouch

thespiderspeed wrote: »

Thanks everyone. Looks like I better report it to my insurance company and then declare it on my renewal/quotes.

Please update this thread if the an injury claim does ever develop