Void Insurance?

chip2k3

Afternoon,

I was in an accident this morning - my fault, rear ending someone who stopped at a roundabout when it was clear.

I've reported it to the insurance but when doing so realised I had failed to update my address when I moved. This was an oversight, I'm only half a mile down the road and I just forgot to do so. I told the insurer the truth when I reported the claim (initially I said it was 'a couple of months ago', it was actually more like 9 months and I think I just panicked - I did correct this before the claim was logged though).

I know very simply that they CAN, if they choose, void the claim. Given my address wasn't a factor in the claim or accident:

A) will they?
if they do, will they cover the cost of repair to the car I hit?

Anyone with experience in the matter would love to hear from, in reality I suspect this kind of thing is semi-regular and I had the accident on the same roundabout I commute from when at the old and new address.

Obviously a panic I'll be £XXXX out of pocket and even worse I may have to pay out for repairs to the third parties car

dunstonh

A) will they?

Unlikely. Only if they thought it was intentional or they would not cover cars for people living at that address.

if they do, will they cover the cost of repair to the car I hit?

yes

Quentin

I disagree with the above reply (b) regarding any third party claims if your policy is voided.

Although any third party claims would be dealt with by your insurer, if your policy is voided you can expect them to subsequently pursue you to reimburse them