Declare or not declare???

discountmummy

I had an accident as a named driver on my husbands insurance just over three years ago now, I now have my own insurance but do i have to declare this when they ask about previous claims as the claim was made on my husbands insurance not mine?

Alfrescodave

The question is who was identified on the accident claims form as having had the accident, you or your husband. Legally it should have been you and therefore yes you should declare that you have made a previous claim.

I do know people who didn't identify the named person had the accident because the named person's excess was higher.

BenL

You usually don't have to declare accidents/Claims over 3 years ago.

Convictions usually are 5 years to declare to insurance companies.

But if it was within the 3 years, yes it was your accident so you would need to tell them about it.

If he was getting insurance without you, he would not have to tell them about the accident but would have had to revise his NCD (subject to it not being protected)

I would check the requirement with your insurance company/potential company.

raskazz

BenL wrote: »

If he was getting insurance without you, he would not have to tell them about the accident but would have had to revise his NCD (subject to it not being protected)

Er, yes he would, as it would have been a claim on a policy held in his name.

iceicebaby

You must decalre it as if you didnt and then they find out about if/when you make another claim (it will be on the insurers database) they can void your current policy for non disclosure.

Debt_Free_Chick

discountmummy wrote: »

I had an accident as a named driver on my husbands insurance just over three years ago now, I now have my own insurance but do i have to declare this when they ask about previous claims as the claim was made on my husbands insurance not mine?

Different insurers ask different questions. Consider each one very, very carefully and answer it truthfully. If you fail to tell the truth, then the insurance is invalid anyway.

Some insurers ask you if you've had anything that might have been a claim, even if you didn't claim for it!!!!! Just answer the question truthfully.

special_k83

I had a car that was broken into last year. Luckily I spotted him before they got into the car and shouted out from my living room window then the cheeky culprit ran off and jumped into a waiting 'getaway car'. But not before removing the lock from my passenger side door and doing some serious damage to the door in general.

The door needed replacing and it cost almost as much as I paid for the car so it was written off.

I now want to get another car but by declaring the claim, it adds £300 to my quote. Do I really need to declare it as 1) it wasn't an accident and 2) I wasn't at fault?

Thanks

raskazz

1) Insurers ask for details of claims, accidents, fires and thefts (including attempted thefts).

2) You are required to disclose all accidents, fires, thefts, whether fault or non-fault; and whether settled privately or not.

As your car was written-off, details of the claim are almost guaranteed to be held on the Claims Underwriting Exchange (database through which insurers share info on claims). So don't bother not disclosing it - if you don't disclose it you will get found out, and you will enter a whole world of grief.

special_k83

Thanks Ras,

It just hurts that I have to pay out another £300 because of some stupid chavs.

With all the extra costs I have to pay, I may as well have fixed the car myself!!

nickmack

special_k83 wrote: »

It just hurts that I have to pay out another £300 because of some stupid chavs.

With all the extra costs I have to pay, I may as well have fixed the car myself!!

It's unfortunate but the extra cost is supposed to reflect the additional risk associated with the theft. Definitely shop around for insurance as other companies may not penalise as much.

nico26

Be very careful It may be £300 just now ,but if you had an accident they could void your policy and you would be in deeper trouble.