Should I inform insurance?

dcouponzzzz

Quentin wrote: »

No need for any sarcasm - I was not attempting to be subtle!

The point is that the person who advised you didn't know what they were talking about!


Advise your new insurer now so that if they should want to make any alteration to your premium on discovering you have made a "mistake" on your application you have time to shop around for the best deal using your correct history!

Sorry, scousers revert to sarcasm in most situations :beer: My application was made and completed and fully paid for on 25/02 for the policy to begin on 24/04, whereas the incident occurred 28/02. I provided correct information upon purchase, and it would seem the only time restriction on reporting it to them is any time prior to the policy commencement date?

If that's the case, then I'd much prefer to report in a week or two that there was a non-fault incident which was settled privately with no insurer action required, than call them now to report there's an ongoing incident which may or may not result in a claim

In no situation will I expect to pay a reduced premium if I'm not entitled to it as a result of this.

Quentin

The disadvantage in leaving reporting this till your renewal date is that should they want to alter your premium, then you have "lost" any advantage you gained by buying your policy early, and any new insurers you approach will quote based on this.


There is no doubt that you do need to disclose this as a no fault claim to your new insurer prior to the policy inception, so no point not doing it ASAP!


If it subsequently turns out it ends up a fault claim after any liability dispute is resolved, then you will have to cross that bridge and its consequences at the time.